Call reports 2025
BRAVERA BANK — 2025
What BRAVERA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,492,547,000 | 3,390,730,000 | 3,452,636,000 | 3,833,298,000 |
| Total loans | 2,312,883,000 | 2,395,385,000 | 2,477,298,000 | 2,740,414,000 |
| Allowance for loan losses | 27,254,000 | 28,557,000 | 28,513,000 | 30,451,000 |
| Securities available for sale | 797,068,000 | 796,374,000 | 786,079,000 | 791,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,099,264,000 | 2,972,753,000 | 2,981,600,000 | 3,357,063,000 |
| Interest-bearing deposits | 2,678,661,000 | 2,569,915,000 | 2,564,002,000 | 2,904,243,000 |
| Noninterest-bearing deposits | 420,603,000 | 402,838,000 | 417,598,000 | 452,820,000 |
| Equity capital | 317,199,000 | 327,758,000 | 342,345,000 | 394,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 42,150,000 | 86,270,000 | 131,064,000 | 192,641,000 |
| Interest expense | 16,776,000 | 33,390,000 | 50,298,000 | 72,687,000 |
| Net interest income | 25,374,000 | 52,880,000 | 80,766,000 | 119,954,000 |
| Noninterest income | 9,085,000 | 17,530,000 | 27,173,000 | 37,727,000 |
| Noninterest expense | 21,785,000 | 43,031,000 | 65,343,000 | 95,782,000 |
| Provision for loan losses | 750,000 | 2,250,000 | 3,950,000 | 9,164,000 |
| Pretax income | 11,905,000 | 25,085,000 | 38,242,000 | 52,373,000 |
| Income tax | 2,108,000 | 4,652,000 | 7,327,000 | 10,318,000 |
| Net income | 9,797,000 | 20,433,000 | 30,915,000 | 42,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 319,685,000 | 325,440,000 | 330,957,000 | 363,748,000 |
| Total capital | 348,947,000 | 356,007,000 | 361,586,000 | 396,348,000 |
| Risk-weighted assets | 2,747,852,000 | 2,803,385,000 | 2,870,476,000 | 3,143,487,000 |