Call reports 2012
ENCORE BANK — 2012
What ENCORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 155,001,000 | 156,784,000 | 153,484,000 | 149,755,000 |
| Total loans | 55,668,000 | 53,381,000 | 51,627,000 | 47,684,000 |
| Allowance for loan losses | 1,762,000 | 1,766,000 | 1,839,000 | 1,001,000 |
| Securities available for sale | 86,264,000 | 90,200,000 | 88,953,000 | 88,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,027,000 | 111,852,000 | 108,629,000 | 105,618,000 |
| Interest-bearing deposits | 104,624,000 | 104,475,000 | 100,779,000 | 98,516,000 |
| Noninterest-bearing deposits | 8,403,000 | 7,377,000 | 7,850,000 | 7,103,000 |
| Equity capital | 17,274,000 | 17,740,000 | 17,929,000 | 17,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 2,986,000 | 4,370,000 | 5,674,000 |
| Interest expense | 507,000 | 920,000 | 1,296,000 | 1,648,000 |
| Net interest income | 1,078,000 | 2,066,000 | 3,074,000 | 4,026,000 |
| Noninterest income | -19,000 | -113,000 | -23,000 | -410,000 |
| Noninterest expense | 729,000 | 1,450,000 | 2,099,000 | 2,676,000 |
| Provision for loan losses | 30,000 | 33,000 | 46,000 | 184,000 |
| Pretax income | -63,000 | 241,000 | 338,000 | 750,000 |
| Income tax | -95,000 | -35,000 | -62,000 | 13,000 |
| Net income | 32,000 | 276,000 | 400,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,395,000 | 16,673,000 | 16,818,000 | 16,233,000 |
| Total capital | 17,434,000 | 17,697,000 | 17,793,000 | 17,161,000 |
| Risk-weighted assets | 82,360,000 | 81,180,000 | 77,185,000 | 74,164,000 |
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