Call reports 2011
ENCORE BANK — 2011
What ENCORE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 163,662,000 | 161,636,000 | 158,752,000 | 160,276,000 |
| Total loans | 70,881,000 | 66,696,000 | 59,648,000 | 59,202,000 |
| Allowance for loan losses | 2,143,000 | 2,134,000 | 2,200,000 | 1,653,000 |
| Securities available for sale | 75,783,000 | 79,594,000 | 81,052,000 | 85,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,614,000 | 109,801,000 | 113,767,000 | 112,525,000 |
| Interest-bearing deposits | 112,405,000 | 103,939,000 | 107,405,000 | 104,883,000 |
| Noninterest-bearing deposits | 8,209,000 | 5,862,000 | 6,362,000 | 7,642,000 |
| Equity capital | 16,018,000 | 17,567,000 | 17,730,000 | 18,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,626,000 | 5,322,000 | 6,970,000 |
| Interest expense | 684,000 | 1,326,000 | 1,933,000 | 2,473,000 |
| Net interest income | 1,182,000 | 2,300,000 | 3,389,000 | 4,497,000 |
| Noninterest income | 70,000 | 67,000 | 82,000 | -117,000 |
| Noninterest expense | 720,000 | 1,500,000 | 2,250,000 | 3,060,000 |
| Provision for loan losses | 60,000 | 130,000 | 190,000 | 271,000 |
| Pretax income | 513,000 | 813,000 | 1,188,000 | 991,000 |
| Income tax | 106,000 | 162,000 | 234,000 | 119,000 |
| Net income | 407,000 | 651,000 | 954,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,552,000 | 16,788,000 | 17,162,000 | 17,121,000 |
| Total capital | 17,807,000 | 17,967,000 | 18,266,000 | 18,207,000 |
| Risk-weighted assets | 99,540,000 | 93,355,000 | 87,204,000 | 86,281,000 |
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