Call reports 2013
ENCORE BANK — 2013
What ENCORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,898,000 | 150,052,000 | 154,456,000 | 154,821,000 |
| Total loans | 47,758,000 | 48,767,000 | 47,184,000 | 50,296,000 |
| Allowance for loan losses | 1,028,000 | 1,067,000 | 1,221,000 | 1,220,000 |
| Securities available for sale | 91,518,000 | 85,505,000 | 92,897,000 | 89,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,463,000 | 99,772,000 | 99,670,000 | 100,328,000 |
| Interest-bearing deposits | 102,662,000 | 93,747,000 | 93,354,000 | 93,841,000 |
| Noninterest-bearing deposits | 5,801,000 | 6,025,000 | 6,316,000 | 6,487,000 |
| Equity capital | 17,082,000 | 13,995,000 | 14,025,000 | 12,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,206,000 | 2,402,000 | 3,585,000 | 4,809,000 |
| Interest expense | 324,000 | 633,000 | 943,000 | 1,264,000 |
| Net interest income | 882,000 | 1,769,000 | 2,642,000 | 3,545,000 |
| Noninterest income | -74,000 | -363,000 | -438,000 | -510,000 |
| Noninterest expense | 636,000 | 1,352,000 | 2,038,000 | 2,626,000 |
| Provision for loan losses | 17,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 200,000 | -386,000 | -257,000 | -213,000 |
| Income tax | 19,000 | -242,000 | -254,000 | -295,000 |
| Net income | 181,000 | -144,000 | -3,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,448,000 | 15,708,000 | 15,716,000 | 15,033,000 |
| Total capital | 17,403,000 | 16,693,000 | 16,688,000 | 16,042,000 |
| Risk-weighted assets | 76,362,000 | 78,736,000 | 77,533,000 | 80,527,000 |
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