Call reports 2015
ENCORE BANK — 2015
What ENCORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 154,329,000 | 154,652,000 | 145,715,000 | 145,549,000 |
| Total loans | 49,460,000 | 50,102,000 | 50,213,000 | 54,673,000 |
| Allowance for loan losses | 918,000 | 966,000 | 798,000 | 841,000 |
| Securities available for sale | 89,874,000 | 87,705,000 | 78,143,000 | 77,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,212,000 | 99,691,000 | 101,654,000 | 103,353,000 |
| Interest-bearing deposits | 98,869,000 | 94,390,000 | 95,643,000 | 96,471,000 |
| Noninterest-bearing deposits | 5,342,000 | 5,301,000 | 6,011,000 | 6,883,000 |
| Equity capital | 14,743,000 | 14,084,000 | 15,695,000 | 15,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,263,000 | 3,433,000 | 4,598,000 |
| Interest expense | 300,000 | 598,000 | 893,000 | 1,192,000 |
| Net interest income | 808,000 | 1,665,000 | 2,540,000 | 3,406,000 |
| Noninterest income | 35,000 | 94,000 | 125,000 | 108,000 |
| Noninterest expense | 661,000 | 1,355,000 | 2,046,000 | 2,746,000 |
| Provision for loan losses | 0 | 15,000 | 185,000 | 440,000 |
| Pretax income | 248,000 | 480,000 | 516,000 | 427,000 |
| Income tax | 31,000 | 57,000 | 5,000 | -89,000 |
| Net income | 217,000 | 423,000 | 511,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,368,000 | 12,530,000 | 13,200,000 | 12,846,000 |
| Total capital | 13,286,000 | 13,496,000 | 13,998,000 | 13,687,000 |
| Risk-weighted assets | 84,431,000 | 80,720,000 | 82,684,000 | 99,416,000 |