Call reports 2022
ENCORE BANK — 2022
What ENCORE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,815,558,000 | 2,431,091,000 | 2,795,189,000 | 3,552,312,000 |
| Total loans | 1,419,184,000 | 1,981,358,000 | 2,327,991,000 | 2,552,640,000 |
| Allowance for loan losses | 16,980,000 | 23,753,000 | 27,907,000 | 30,615,000 |
| Securities available for sale | 261,232,000 | 346,171,000 | 356,704,000 | 591,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,525,010,000 | 1,935,717,000 | 2,248,057,000 | 2,655,457,000 |
| Interest-bearing deposits | 1,306,137,000 | 1,653,102,000 | 1,908,135,000 | 2,332,082,000 |
| Noninterest-bearing deposits | 218,873,000 | 282,614,000 | 339,923,000 | 323,376,000 |
| Equity capital | 173,405,000 | 173,108,000 | 241,528,000 | 279,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 14,530,000 | 34,293,000 | 61,941,000 | 95,444,000 |
| Interest expense | 2,523,000 | 6,079,000 | 14,167,000 | 28,784,000 |
| Net interest income | 12,007,000 | 28,214,000 | 47,774,000 | 66,660,000 |
| Noninterest income | 2,462,000 | 4,535,000 | 6,725,000 | 8,739,000 |
| Noninterest expense | 12,478,000 | 27,364,000 | 44,420,000 | 64,392,000 |
| Provision for loan losses | 2,538,000 | 9,312,000 | 13,462,000 | 16,388,000 |
| Pretax income | -541,000 | -3,453,000 | -2,755,000 | -4,753,000 |
| Income tax | -325,000 | -1,369,000 | -1,487,000 | -1,974,000 |
| Net income | -216,000 | -2,084,000 | -1,268,000 | -2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,959,000 | 209,939,000 | 297,267,000 | 318,832,000 |
Machine access — free, no API key
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