Call reports 2017
ENCORE BANK — 2017
What ENCORE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 154,371,000 | 152,631,000 | 153,288,000 | 148,995,000 |
| Total loans | 56,074,000 | 53,306,000 | 55,672,000 | 60,265,000 |
| Allowance for loan losses | 1,075,000 | 1,009,000 | 970,000 | 1,054,000 |
| Securities available for sale | 82,158,000 | 84,752,000 | 85,331,000 | 77,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,288,000 | 94,104,000 | 96,141,000 | 94,445,000 |
| Interest-bearing deposits | 96,004,000 | 87,560,000 | 90,238,000 | 88,557,000 |
| Noninterest-bearing deposits | 6,284,000 | 6,544,000 | 5,902,000 | 5,887,000 |
| Equity capital | 14,563,000 | 15,545,000 | 15,564,000 | 13,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,385,000 | 3,610,000 | 4,900,000 |
| Interest expense | 355,000 | 734,000 | 1,132,000 | 1,560,000 |
| Net interest income | 819,000 | 1,651,000 | 2,478,000 | 3,340,000 |
| Noninterest income | 37,000 | 74,000 | 108,000 | 61,000 |
| Noninterest expense | 624,000 | 1,273,000 | 1,916,000 | 2,602,000 |
| Provision for loan losses | 0 | 0 | 0 | 115,000 |
| Pretax income | 268,000 | 522,000 | 768,000 | 853,000 |
| Income tax | 43,000 | 87,000 | 124,000 | 1,344,000 |
| Net income | 225,000 | 435,000 | 644,000 | -491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,685,000 | 13,871,000 | 14,047,000 | 13,980,000 |
| Total capital | 14,760,000 | 14,880,000 | 15,017,000 | 15,034,000 |
| Risk-weighted assets | 86,858,000 | 85,459,000 | 91,943,000 | 89,683,000 |