Call reports 2020
BRAVERA BANK — 2020
What BRAVERA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,746,350,000 | 1,803,442,000 | 1,820,337,000 | 1,881,577,000 |
| Total loans | 1,096,135,000 | 1,198,258,000 | 1,205,143,000 | 1,221,585,000 |
| Allowance for loan losses | 16,917,000 | 17,465,000 | 15,476,000 | 15,669,000 |
| Securities available for sale | 471,296,000 | 496,156,000 | 483,578,000 | 499,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,578,890,000 | 1,610,950,000 | 1,634,768,000 | 1,678,951,000 |
| Interest-bearing deposits | 1,294,089,000 | 1,303,166,000 | 1,331,313,000 | 1,354,301,000 |
| Noninterest-bearing deposits | 284,802,000 | 307,784,000 | 303,454,000 | 324,650,000 |
| Equity capital | 155,640,000 | 175,704,000 | 174,388,000 | 187,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 16,212,000 | 35,621,000 | 51,949,000 | 70,833,000 |
| Interest expense | 2,930,000 | 5,195,000 | 6,986,000 | 9,114,000 |
| Net interest income | 13,282,000 | 30,426,000 | 44,963,000 | 61,719,000 |
| Noninterest income | 5,724,000 | 10,725,000 | 16,917,000 | 23,162,000 |
| Noninterest expense | 11,829,000 | 24,962,000 | 37,172,000 | 52,873,000 |
| Provision for loan losses | 800,000 | 1,401,000 | 2,385,000 | 2,610,000 |
| Pretax income | 6,317,000 | 14,747,000 | 22,283,000 | 29,394,000 |
| Income tax | 1,222,000 | 2,870,000 | 4,293,000 | 5,769,000 |
| Net income | 5,095,000 | 11,877,000 | 17,990,000 | 23,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,461,000 | 154,195,000 | 152,768,000 | 156,145,000 |
| Total capital | 164,828,000 | 170,487,000 | 168,255,000 | 171,824,000 |
| Risk-weighted assets | 1,308,784,000 | 1,302,145,000 | 1,317,148,000 | 1,392,208,000 |