Call reports 2003
ENCORE BANK — 2003
What ENCORE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,782,000 | 86,816,000 | 89,102,000 | 93,264,000 |
| Total loans | 38,905,000 | 40,521,000 | 39,410,000 | 37,139,000 |
| Allowance for loan losses | 418,000 | 417,000 | 450,000 | 329,000 |
| Securities available for sale | 33,927,000 | 33,196,000 | 31,527,000 | 36,757,000 |
| Securities held to maturity | 6,907,000 | 8,148,000 | 11,671,000 | 13,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,615,000 | 65,412,000 | 68,778,000 | 77,363,000 |
| Interest-bearing deposits | 60,571,000 | 59,133,000 | 57,538,000 | 68,177,000 |
| Noninterest-bearing deposits | 7,044,000 | 6,279,000 | 11,240,000 | 9,186,000 |
| Equity capital | 6,286,000 | 6,518,000 | 6,709,000 | 6,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,435,000 | 3,669,000 | 4,989,000 |
| Interest expense | 469,000 | 920,000 | 1,332,000 | 1,752,000 |
| Net interest income | 763,000 | 1,515,000 | 2,337,000 | 3,237,000 |
| Noninterest income | 60,000 | 133,000 | 216,000 | 295,000 |
| Noninterest expense | 589,000 | 1,115,000 | 1,613,000 | 2,110,000 |
| Provision for loan losses | 60,000 | 160,000 | 235,000 | 555,000 |
| Pretax income | 174,000 | 373,000 | 720,000 | 889,000 |
| Income tax | 35,000 | 72,000 | 150,000 | 182,000 |
| Net income | 139,000 | 301,000 | 570,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,224,000 | 6,386,000 | 6,655,000 | 6,677,000 |
| Total capital | 6,642,000 | 6,803,000 | 7,105,000 | 7,006,000 |
| Risk-weighted assets | 48,928,000 | 50,579,000 | 50,225,000 | 47,576,000 |
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