Call reports 2019
ENCORE BANK — 2019
What ENCORE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 164,928,000 | 196,952,000 | 247,152,000 | 316,713,000 |
| Total loans | 78,563,000 | 110,625,000 | 178,092,000 | 267,981,000 |
| Allowance for loan losses | 1,178,000 | 1,584,000 | 3,971,000 | 5,000,000 |
| Securities available for sale | 72,490,000 | 56,881,000 | 38,097,000 | 34,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,617,000 | 121,768,000 | 158,286,000 | 223,729,000 |
| Interest-bearing deposits | 104,409,000 | 112,129,000 | 143,301,000 | 193,532,000 |
| Noninterest-bearing deposits | 8,208,000 | 9,639,000 | 14,985,000 | 30,197,000 |
| Equity capital | 15,903,000 | 30,741,000 | 49,755,000 | 50,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,287,000 | 5,574,000 | 8,740,000 |
| Interest expense | 749,000 | 1,583,000 | 2,593,000 | 3,748,000 |
| Net interest income | 764,000 | 1,704,000 | 2,981,000 | 4,992,000 |
| Noninterest income | -35,000 | -2,000 | 25,000 | 49,000 |
| Noninterest expense | 909,000 | 2,575,000 | 4,375,000 | 6,778,000 |
| Provision for loan losses | 130,000 | 532,000 | 2,915,000 | 4,073,000 |
| Pretax income | -320,000 | -1,786,000 | -4,703,000 | -6,299,000 |
| Income tax | -86,000 | -340,000 | -926,000 | 355,000 |
| Net income | -234,000 | -1,446,000 | -3,777,000 | -6,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,747,000 | 28,989,000 | 47,373,000 | 49,437,000 |
| Total capital | 16,925,000 | 30,533,000 | 49,654,000 | 52,911,000 |
| Risk-weighted assets | 101,023,000 | 123,521,000 | 180,858,000 | 276,405,000 |
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