Call reports 2025
ENCORE BANK — 2025
What ENCORE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,705,306,000 | 3,581,898,000 | 3,581,655,000 | 3,625,025,000 |
| Total loans | 2,996,494,000 | 2,920,417,000 | 2,797,236,000 | 2,731,516,000 |
| Allowance for loan losses | 40,870,000 | 38,858,000 | 38,267,000 | 36,611,000 |
| Securities available for sale | 434,685,000 | 423,108,000 | 442,347,000 | 445,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,932,232,000 | 3,101,453,000 | 3,234,406,000 | 3,268,062,000 |
| Interest-bearing deposits | 2,583,596,000 | 2,698,980,000 | 2,779,837,000 | 2,734,695,000 |
| Noninterest-bearing deposits | 348,636,000 | 402,473,000 | 454,569,000 | 533,367,000 |
| Equity capital | 281,394,000 | 277,498,000 | 290,674,000 | 299,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 47,493,000 | 94,207,000 | 139,892,000 | 185,500,000 |
| Interest expense | 29,961,000 | 58,197,000 | 84,691,000 | 108,311,000 |
| Net interest income | 17,532,000 | 36,010,000 | 55,201,000 | 77,189,000 |
| Noninterest income | 4,003,000 | 7,663,000 | 11,845,000 | 15,639,000 |
| Noninterest expense | 20,319,000 | 41,283,000 | 61,972,000 | 82,763,000 |
| Provision for loan losses | 400,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Pretax income | 1,226,000 | 2,243,000 | 4,324,000 | 8,375,000 |
| Income tax | 12,000 | 58,000 | 332,000 | 1,280,000 |
| Net income | 1,214,000 | 2,185,000 | 3,992,000 | 7,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 330,193,000 | 331,165,000 | 332,970,000 | 336,075,000 |
| Total capital | 369,498,000 | 367,657,000 | 368,872,000 | 370,320,000 |
| Risk-weighted assets | 3,148,784,000 | 3,039,553,000 | 2,903,312,000 | 2,844,552,000 |