Call reports 2016
ENCORE BANK — 2016
What ENCORE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 145,387,000 | 145,591,000 | 150,704,000 | 143,047,000 |
| Total loans | 52,690,000 | 52,607,000 | 54,938,000 | 57,507,000 |
| Allowance for loan losses | 881,000 | 844,000 | 881,000 | 887,000 |
| Securities available for sale | 80,276,000 | 80,658,000 | 82,454,000 | 71,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,758,000 | 97,613,000 | 97,711,000 | 94,861,000 |
| Interest-bearing deposits | 92,631,000 | 91,907,000 | 91,197,000 | 88,809,000 |
| Noninterest-bearing deposits | 6,128,000 | 5,706,000 | 6,514,000 | 6,052,000 |
| Equity capital | 15,937,000 | 16,408,000 | 16,482,000 | 14,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,190,000 | 2,331,000 | 3,490,000 | 4,665,000 |
| Interest expense | 293,000 | 600,000 | 929,000 | 1,267,000 |
| Net interest income | 897,000 | 1,731,000 | 2,561,000 | 3,398,000 |
| Noninterest income | 39,000 | 166,000 | 110,000 | 99,000 |
| Noninterest expense | 648,000 | 1,399,000 | 1,935,000 | 2,535,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 90,000 |
| Pretax income | 319,000 | 588,000 | 900,000 | 1,231,000 |
| Income tax | 53,000 | 99,000 | 161,000 | 220,000 |
| Net income | 266,000 | 489,000 | 739,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,261,000 | 13,530,000 | 13,821,000 | 13,923,000 |
| Total capital | 14,142,000 | 14,374,000 | 14,702,000 | 14,810,000 |
| Risk-weighted assets | 75,360,000 | 81,841,000 | 82,791,000 | 82,644,000 |