Call reports 2014
ENCORE BANK — 2014
What ENCORE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 152,828,000 | 154,918,000 | 155,032,000 | 154,781,000 |
| Total loans | 47,107,000 | 49,655,000 | 50,566,000 | 49,219,000 |
| Allowance for loan losses | 1,264,000 | 1,272,000 | 1,844,000 | 825,000 |
| Securities available for sale | 91,127,000 | 91,639,000 | 90,089,000 | 90,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,790,000 | 97,418,000 | 102,148,000 | 105,611,000 |
| Interest-bearing deposits | 93,900,000 | 92,306,000 | 96,771,000 | 100,789,000 |
| Noninterest-bearing deposits | 6,890,000 | 5,112,000 | 5,376,000 | 4,822,000 |
| Equity capital | 13,881,000 | 15,046,000 | 13,787,000 | 13,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,462,000 | 3,612,000 | 4,717,000 |
| Interest expense | 315,000 | 622,000 | 928,000 | 1,231,000 |
| Net interest income | 841,000 | 1,840,000 | 2,684,000 | 3,486,000 |
| Noninterest income | 30,000 | 53,000 | 52,000 | -30,000 |
| Noninterest expense | 671,000 | 1,290,000 | 1,916,000 | 2,531,000 |
| Provision for loan losses | 0 | 0 | 2,400,000 | 3,200,000 |
| Pretax income | 204,000 | 614,000 | -1,753,000 | -2,770,000 |
| Income tax | 9,000 | 92,000 | -760,000 | -1,163,000 |
| Net income | 195,000 | 522,000 | -993,000 | -1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,173,000 | 15,501,000 | 13,161,000 | 12,217,000 |
| Total capital | 16,145,000 | 16,479,000 | 14,162,000 | 13,042,000 |
| Risk-weighted assets | 77,454,000 | 77,975,000 | 79,277,000 | 77,272,000 |
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