Call reports 2023
ENCORE BANK — 2023
What ENCORE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,809,901,000 | 4,025,348,000 | 4,187,194,000 | 3,995,766,000 |
| Total loans | 2,744,760,000 | 2,998,527,000 | 3,123,796,000 | 3,281,292,000 |
| Allowance for loan losses | 40,714,000 | 41,511,000 | 41,504,000 | 43,428,000 |
| Securities available for sale | 859,456,000 | 815,615,000 | 730,623,000 | 491,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,820,970,000 | 2,705,817,000 | 3,108,807,000 | 2,852,487,000 |
| Interest-bearing deposits | 2,503,508,000 | 2,397,950,000 | 2,808,794,000 | 2,569,245,000 |
| Noninterest-bearing deposits | 317,462,000 | 307,867,000 | 300,013,000 | 283,242,000 |
| Equity capital | 280,821,000 | 275,762,000 | 249,202,000 | 275,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 41,292,000 | 88,046,000 | 139,152,000 | 192,555,000 |
| Interest expense | 25,917,000 | 58,827,000 | 97,238,000 | 137,874,000 |
| Net interest income | 15,375,000 | 29,219,000 | 41,914,000 | 54,681,000 |
| Noninterest income | 3,022,000 | 5,845,000 | 9,497,000 | 13,781,000 |
| Noninterest expense | 19,797,000 | 37,146,000 | 55,334,000 | 77,741,000 |
| Provision for loan losses | 2,310,000 | 3,257,000 | 3,257,000 | 5,187,000 |
| Pretax income | 1,383,000 | 1,937,000 | 1,032,000 | -8,378,000 |
| Income tax | -689,000 | -1,170,000 | -795,000 | -2,297,000 |
| Net income | 2,072,000 | 3,107,000 | 1,827,000 | -6,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 330,870,000 | 331,903,000 | 332,625,000 | 330,069,000 |
| Total capital | — | — | — | 367,021,000 |
| Risk-weighted assets | — | — | — | 3,584,179,000 |
Machine access — free, no API key
Every figure shown here about ENCORE BANK — 2023 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.