Call reports 2018
ENCORE BANK — 2018
What ENCORE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 151,776,000 | 153,179,000 | 158,793,000 | 161,346,000 |
| Total loans | 63,788,000 | 65,259,000 | 74,003,000 | 75,747,000 |
| Allowance for loan losses | 1,062,000 | 1,072,000 | 1,054,000 | 1,041,000 |
| Securities available for sale | 76,544,000 | 73,787,000 | 71,733,000 | 72,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,268,000 | 110,147,000 | 110,613,000 | 109,112,000 |
| Interest-bearing deposits | 100,960,000 | 103,627,000 | 105,525,000 | 103,633,000 |
| Noninterest-bearing deposits | 6,309,000 | 6,520,000 | 5,088,000 | 5,478,000 |
| Equity capital | 12,329,000 | 12,439,000 | 12,509,000 | 13,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,270,000 | 2,612,000 | 3,996,000 | 5,529,000 |
| Interest expense | 450,000 | 950,000 | 1,544,000 | 2,238,000 |
| Net interest income | 820,000 | 1,662,000 | 2,452,000 | 3,291,000 |
| Noninterest income | 46,000 | 75,000 | 102,000 | 127,000 |
| Noninterest expense | 683,000 | 1,297,000 | 1,868,000 | 2,481,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 183,000 | 436,000 | 645,000 | 868,000 |
| Income tax | 8,000 | 46,000 | 68,000 | 86,000 |
| Net income | 175,000 | 390,000 | 577,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,892,000 | 14,070,000 | 14,775,000 | 14,871,000 |
| Total capital | 14,954,000 | 15,141,000 | 15,829,000 | 15,912,000 |
| Risk-weighted assets | 90,507,000 | 95,226,000 | 100,793,000 | 98,178,000 |
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