Call reports 2023
BRAVERA BANK — 2023
What BRAVERA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,428,505,000 | 2,467,180,000 | 2,521,747,000 | 2,982,606,000 |
| Total loans | 1,524,384,000 | 1,631,265,000 | 1,697,866,000 | 2,002,872,000 |
| Allowance for loan losses | 18,162,000 | 19,036,000 | 19,766,000 | 24,086,000 |
| Securities available for sale | 673,693,000 | 659,510,000 | 635,819,000 | 714,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,211,842,000 | 2,168,738,000 | 2,162,680,000 | 2,668,098,000 |
| Interest-bearing deposits | 1,823,149,000 | 1,804,344,000 | 1,822,370,000 | 2,225,910,000 |
| Noninterest-bearing deposits | 388,693,000 | 364,394,000 | 340,310,000 | 442,188,000 |
| Equity capital | 193,934,000 | 184,860,000 | 180,383,000 | 252,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 22,242,000 | 46,850,000 | 73,577,000 | 119,981,000 |
| Interest expense | 5,056,000 | 12,863,000 | 23,995,000 | 40,847,000 |
| Net interest income | 17,186,000 | 33,987,000 | 49,582,000 | 79,134,000 |
| Noninterest income | 6,292,000 | 13,178,000 | 21,704,000 | 30,616,000 |
| Noninterest expense | 16,862,000 | 32,872,000 | 49,947,000 | 74,788,000 |
| Provision for loan losses | 400,000 | 1,200,000 | 1,200,000 | 1,500,000 |
| Pretax income | 6,265,000 | 13,187,000 | 20,276,000 | 33,676,000 |
| Income tax | 1,080,000 | 2,272,000 | 3,584,000 | 6,168,000 |
| Net income | 5,185,000 | 10,915,000 | 16,692,000 | 27,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,969,000 | 217,756,000 | 223,828,000 | 270,773,000 |
| Total capital | 238,843,000 | 238,357,000 | 245,161,000 | 296,729,000 |
| Risk-weighted assets | 1,852,851,000 | 1,942,528,000 | 2,012,791,000 | 2,368,283,000 |