Call reports 2024
ENCORE BANK — 2024
What ENCORE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 3,962,516,000 | 3,974,093,000 | 3,862,264,000 | 3,735,333,000 |
| Total loans | 3,303,217,000 | 3,298,338,000 | 3,147,013,000 | 3,069,879,000 |
| Allowance for loan losses | 42,563,000 | 43,788,000 | 44,641,000 | 43,029,000 |
| Securities available for sale | 474,026,000 | 464,139,000 | 464,228,000 | 438,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,002,102,000 | 2,955,606,000 | 3,062,192,000 | 2,949,210,000 |
| Interest-bearing deposits | 2,702,266,000 | 2,636,437,000 | 2,751,740,000 | 2,621,572,000 |
| Noninterest-bearing deposits | 299,836,000 | 319,169,000 | 310,452,000 | 327,638,000 |
| Equity capital | 277,602,000 | 279,927,000 | 286,369,000 | 280,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 51,920,000 | 106,488,000 | 162,220,000 | 213,193,000 |
| Interest expense | 38,484,000 | 76,869,000 | 114,643,000 | 147,682,000 |
| Net interest income | 13,436,000 | 29,619,000 | 47,577,000 | 65,511,000 |
| Noninterest income | 4,271,000 | 8,828,000 | 12,728,000 | 16,154,000 |
| Noninterest expense | 20,584,000 | 39,379,000 | 58,751,000 | 77,607,000 |
| Provision for loan losses | 121,000 | 1,121,000 | 1,971,000 | 2,571,000 |
| Pretax income | -2,007,000 | 280,000 | 2,888,000 | 5,413,000 |
| Income tax | -361,000 | 114,000 | 675,000 | 1,114,000 |
| Net income | -1,646,000 | 166,000 | 2,213,000 | 4,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 326,642,000 | 328,454,000 | 331,501,000 | 333,586,000 |
| Total capital | 366,296,000 | 367,993,000 | 371,044,000 | 370,916,000 |
| Risk-weighted assets | 3,553,670,000 | 3,517,839,000 | 3,309,008,000 | 3,219,870,000 |
Machine access — free, no API key
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