Call reports 2010
ENCORE BANK — 2010
What ENCORE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 173,944,000 | 161,424,000 | 168,736,000 | 166,546,000 |
| Total loans | 88,968,000 | 85,420,000 | 84,518,000 | 76,365,000 |
| Allowance for loan losses | 3,105,000 | 3,054,000 | 2,812,000 | 2,315,000 |
| Securities available for sale | 74,349,000 | 59,122,000 | 69,901,000 | 74,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,622,000 | 110,279,000 | 114,600,000 | 118,226,000 |
| Interest-bearing deposits | 105,416,000 | 102,239,000 | 105,266,000 | 110,802,000 |
| Noninterest-bearing deposits | 8,207,000 | 8,040,000 | 9,333,000 | 7,424,000 |
| Equity capital | 17,249,000 | 17,764,000 | 17,955,000 | 16,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,126,000 | 4,139,000 | 6,069,000 | 7,988,000 |
| Interest expense | 946,000 | 1,788,000 | 2,538,000 | 3,279,000 |
| Net interest income | 1,180,000 | 2,351,000 | 3,531,000 | 4,709,000 |
| Noninterest income | 67,000 | 139,000 | 212,000 | 280,000 |
| Noninterest expense | 716,000 | 1,415,000 | 2,098,000 | 2,821,000 |
| Provision for loan losses | 835,000 | 900,000 | 1,635,000 | 2,345,000 |
| Pretax income | -206,000 | 400,000 | 382,000 | 264,000 |
| Income tax | -171,000 | -61,000 | -145,000 | -284,000 |
| Net income | -35,000 | 461,000 | 527,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,293,000 | 17,359,000 | 17,326,000 | 17,114,000 |
| Total capital | 18,650,000 | 18,659,000 | 18,631,000 | 18,400,000 |
| Risk-weighted assets | 106,993,000 | 102,259,000 | 102,881,000 | 101,844,000 |
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