Call reports 2020
ENCORE BANK — 2020
What ENCORE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 407,966,000 | 584,875,000 | 681,412,000 | 836,548,000 |
| Total loans | 335,421,000 | 390,772,000 | 438,807,000 | 547,056,000 |
| Allowance for loan losses | 5,002,000 | 5,252,000 | 6,256,000 | 9,250,000 |
| Securities available for sale | 23,931,000 | 118,907,000 | 116,600,000 | 128,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,040,000 | 412,160,000 | 482,208,000 | 645,557,000 |
| Interest-bearing deposits | 257,268,000 | 366,087,000 | 424,678,000 | 577,382,000 |
| Noninterest-bearing deposits | 31,773,000 | 46,073,000 | 57,530,000 | 68,175,000 |
| Equity capital | 51,021,000 | 54,278,000 | 54,920,000 | 75,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,920,000 | 9,210,000 | 14,897,000 | 21,128,000 |
| Interest expense | 1,361,000 | 2,991,000 | 4,746,000 | 6,619,000 |
| Net interest income | 2,559,000 | 6,219,000 | 10,151,000 | 14,509,000 |
| Noninterest income | 56,000 | 607,000 | 1,947,000 | 3,796,000 |
| Noninterest expense | 2,184,000 | 4,976,000 | 8,796,000 | 14,990,000 |
| Provision for loan losses | 0 | 275,000 | 1,377,000 | 4,370,000 |
| Pretax income | 431,000 | 1,527,000 | 3,975,000 | 2,976,000 |
| Income tax | 100,000 | 303,000 | 822,000 | -728,000 |
| Net income | 331,000 | 1,224,000 | 3,153,000 | 3,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,766,000 | 50,659,000 | 52,589,000 | 73,670,000 |
| Total capital | — | — | 58,845,000 | — |
| Risk-weighted assets | — | — | 519,288,000 | — |