Call reports 2005
ENERBANK USA — 2005
What ENERBANK USA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,204,000 | 69,293,000 | 80,689,000 | 86,381,000 |
| Total loans | 56,734,000 | 58,224,000 | 63,727,000 | 77,470,000 |
| Allowance for loan losses | 870,000 | 853,000 | 860,000 | 776,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 253,000 | 250,000 | 250,000 | 575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,898,000 | 57,026,000 | 67,853,000 | 73,157,000 |
| Interest-bearing deposits | 49,572,000 | 52,446,000 | 55,518,000 | 73,157,000 |
| Noninterest-bearing deposits | 4,326,000 | 4,580,000 | 12,335,000 | 0 |
| Equity capital | 10,614,000 | 10,644,000 | 10,751,000 | 10,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,561,000 | 3,218,000 | 5,047,000 | 7,264,000 |
| Interest expense | 404,000 | 831,000 | 1,325,000 | 1,981,000 |
| Net interest income | 1,157,000 | 2,387,000 | 3,722,000 | 5,283,000 |
| Noninterest income | 10,000 | 22,000 | 31,000 | 43,000 |
| Noninterest expense | 1,166,000 | 2,278,000 | 3,307,000 | 4,436,000 |
| Provision for loan losses | 143,000 | 225,000 | 376,000 | 512,000 |
| Pretax income | -142,000 | -94,000 | 70,000 | 378,000 |
| Income tax | -48,000 | -31,000 | 26,000 | 134,000 |
| Net income | -94,000 | -63,000 | 44,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,706,000 | 9,754,000 | 9,918,000 | 10,554,000 |
| Total capital | 10,576,000 | 10,607,000 | 10,778,000 | 11,330,000 |
| Risk-weighted assets | 70,969,000 | 75,795,000 | 81,315,000 | 82,316,000 |
Machine access — free, no API key
Every figure shown here about ENERBANK USA — 2005 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 since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) 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.