Call reports 2007
ENCORE BANK — 2007
What ENCORE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 146,270,000 | 159,968,000 | 167,141,000 | 176,353,000 |
| Total loans | 64,859,000 | 70,998,000 | 79,588,000 | 83,747,000 |
| Allowance for loan losses | 774,000 | 806,000 | 824,000 | 904,000 |
| Securities available for sale | 50,759,000 | 56,484,000 | 58,285,000 | 65,148,000 |
| Securities held to maturity | 21,662,000 | 19,093,000 | 18,663,000 | 17,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,724,000 | 122,259,000 | 121,555,000 | 115,122,000 |
| Interest-bearing deposits | 109,965,000 | 110,958,000 | 113,977,000 | 106,237,000 |
| Noninterest-bearing deposits | 7,759,000 | 11,301,000 | 7,578,000 | 8,885,000 |
| Equity capital | 10,213,000 | 11,351,000 | 12,084,000 | 12,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,644,000 | 7,270,000 | 10,044,000 |
| Interest expense | 1,394,000 | 2,915,000 | 4,562,000 | 6,322,000 |
| Net interest income | 847,000 | 1,729,000 | 2,708,000 | 3,722,000 |
| Noninterest income | 72,000 | 137,000 | 213,000 | 281,000 |
| Noninterest expense | 540,000 | 1,073,000 | 1,630,000 | 2,187,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 356,000 | 740,000 | 1,180,000 | 1,655,000 |
| Income tax | 40,000 | 96,000 | 178,000 | 248,000 |
| Net income | 316,000 | 644,000 | 1,002,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,706,000 | 12,510,000 | 12,843,000 | 13,235,000 |
| Total capital | 11,480,000 | 13,316,000 | 13,667,000 | 14,139,000 |
| Risk-weighted assets | 87,132,000 | 98,366,000 | 107,899,000 | 117,163,000 |
Machine access — free, no API key
Every figure shown here about ENCORE BANK — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.