Call reports 2007
ENERBANK USA — 2007
What ENERBANK USA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,485,000 | 150,131,000 | 163,541,000 | 174,616,000 |
| Total loans | 138,018,000 | 142,296,000 | 153,011,000 | 165,004,000 |
| Allowance for loan losses | 903,000 | 981,000 | 1,092,000 | 1,802,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,136,000 | 2,633,000 | 2,611,000 | 2,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,682,000 | 127,061,000 | 139,179,000 | 154,051,000 |
| Interest-bearing deposits | 125,682,000 | 126,986,000 | 139,115,000 | 153,924,000 |
| Noninterest-bearing deposits | 0 | 75,000 | 64,000 | 127,000 |
| Equity capital | 16,188,000 | 16,610,000 | 16,995,000 | 17,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,122,000 | 8,163,000 | 12,325,000 | 16,639,000 |
| Interest expense | 1,603,000 | 3,214,000 | 4,959,000 | 6,890,000 |
| Net interest income | 2,519,000 | 4,949,000 | 7,366,000 | 9,749,000 |
| Noninterest income | 19,000 | 41,000 | 62,000 | 89,000 |
| Noninterest expense | 1,594,000 | 3,102,000 | 4,562,000 | 5,955,000 |
| Provision for loan losses | 388,000 | 681,000 | 1,067,000 | 2,353,000 |
| Pretax income | 556,000 | 1,207,000 | 1,799,000 | 1,530,000 |
| Income tax | 195,000 | 424,000 | 632,000 | 587,000 |
| Net income | 361,000 | 783,000 | 1,167,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,120,000 | 16,610,000 | 16,995,000 | 16,652,000 |
| Total capital | 17,023,000 | 17,591,000 | 18,087,000 | 18,454,000 |
| Risk-weighted assets | 142,974,000 | 147,238,000 | 158,511,000 | 171,803,000 |
Machine access — free, no API key
Every figure shown here about ENERBANK USA — 2007 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.