Call reports 2021
ENCORE BANK — 2021
What ENCORE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 908,083,000 | 1,129,791,000 | 1,298,422,000 | 1,632,951,000 |
| Total loans | 648,690,000 | 839,339,000 | 1,004,944,000 | 1,179,505,000 |
| Allowance for loan losses | 9,496,000 | 10,375,000 | 12,000,000 | 14,394,000 |
| Securities available for sale | 147,998,000 | 167,481,000 | 219,680,000 | 252,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,988,000 | 895,814,000 | 1,020,744,000 | 1,339,460,000 |
| Interest-bearing deposits | 598,677,000 | 748,619,000 | 880,043,000 | 1,169,265,000 |
| Noninterest-bearing deposits | 101,312,000 | 147,194,000 | 140,700,000 | 170,195,000 |
| Equity capital | 90,096,000 | 117,840,000 | 140,066,000 | 173,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,182,000 | 16,146,000 | 26,881,000 | 39,665,000 |
| Interest expense | 2,064,000 | 4,156,000 | 6,421,000 | 8,887,000 |
| Net interest income | 5,118,000 | 11,990,000 | 20,460,000 | 30,778,000 |
| Noninterest income | 2,655,000 | 4,947,000 | 7,080,000 | 10,434,000 |
| Noninterest expense | 7,216,000 | 15,356,000 | 24,937,000 | 37,717,000 |
| Provision for loan losses | 245,000 | 1,162,000 | 2,777,000 | 5,157,000 |
| Pretax income | 990,000 | 1,229,000 | 1,424,000 | 107,000 |
| Income tax | 181,000 | 162,000 | 121,000 | -478,000 |
| Net income | 809,000 | 1,067,000 | 1,303,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,900,000 | 115,058,000 | 138,377,000 | 171,175,000 |