Call reports 2009
ENCORE BANK — 2009
What ENCORE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 203,458,000 | 201,012,000 | 185,658,000 | 178,806,000 |
| Total loans | 92,662,000 | 88,497,000 | 87,789,000 | 88,328,000 |
| Allowance for loan losses | 1,639,000 | 1,921,000 | 3,480,000 | 4,068,000 |
| Securities available for sale | 85,020,000 | 85,639,000 | 74,137,000 | 81,068,000 |
| Securities held to maturity | 14,735,000 | 14,379,000 | 13,423,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,477,000 | 129,744,000 | 123,196,000 | 113,719,000 |
| Interest-bearing deposits | 124,158,000 | 122,026,000 | 115,259,000 | 106,247,000 |
| Noninterest-bearing deposits | 8,318,000 | 7,718,000 | 7,937,000 | 7,472,000 |
| Equity capital | 16,722,000 | 16,516,000 | 17,658,000 | 17,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,763,000 | 5,398,000 | 7,923,000 | 10,078,000 |
| Interest expense | 1,532,000 | 2,857,000 | 4,074,000 | 5,135,000 |
| Net interest income | 1,231,000 | 2,541,000 | 3,849,000 | 4,943,000 |
| Noninterest income | 68,000 | 133,000 | 159,000 | 143,000 |
| Noninterest expense | 756,000 | 1,496,000 | 2,216,000 | 2,947,000 |
| Provision for loan losses | 140,000 | 640,000 | 3,170,000 | 3,950,000 |
| Pretax income | 572,000 | 778,000 | -987,000 | -1,312,000 |
| Income tax | 58,000 | 9,000 | -703,000 | -948,000 |
| Net income | 514,000 | 769,000 | -284,000 | -364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,626,000 | 17,862,000 | 17,790,000 | 17,674,000 |
| Total capital | 19,139,000 | 19,284,000 | 19,196,000 | 19,086,000 |
| Risk-weighted assets | 120,908,000 | 118,312,000 | 110,436,000 | 110,293,000 |
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