Call reports 2008
ENERBANK USA — 2008
What ENERBANK USA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 175,336,000 | 181,874,000 | 183,279,000 | 198,424,000 |
| Total loans | 163,000,000 | 164,885,000 | 175,951,000 | 183,818,000 |
| Allowance for loan losses | 2,096,000 | 2,023,000 | 2,766,000 | 3,499,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,703,000 | 2,802,000 | 2,035,000 | 3,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,229,000 | 160,163,000 | 161,145,000 | 176,347,000 |
| Interest-bearing deposits | 154,229,000 | 160,102,000 | 161,068,000 | 176,347,000 |
| Noninterest-bearing deposits | 0 | 61,000 | 77,000 | 0 |
| Equity capital | 18,053,000 | 18,452,000 | 18,690,000 | 19,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,908,000 | 9,826,000 | 14,874,000 | 20,328,000 |
| Interest expense | 1,971,000 | 3,859,000 | 5,754,000 | 7,735,000 |
| Net interest income | 2,937,000 | 5,967,000 | 9,120,000 | 12,593,000 |
| Noninterest income | 22,000 | 51,000 | 86,000 | 121,000 |
| Noninterest expense | 1,774,000 | 3,684,000 | 5,295,000 | 7,196,000 |
| Provision for loan losses | 748,000 | 1,196,000 | 2,406,000 | 4,018,000 |
| Pretax income | 437,000 | 1,138,000 | 1,505,000 | 1,500,000 |
| Income tax | 154,000 | 456,000 | 584,000 | 611,000 |
| Net income | 283,000 | 682,000 | 921,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,787,000 | 17,199,000 | 17,437,000 | 17,793,000 |
| Total capital | 18,883,000 | 19,222,000 | 19,715,000 | 20,206,000 |
| Risk-weighted assets | 170,093,000 | 172,974,000 | 181,772,000 | 191,945,000 |
Machine access — free, no API key
Every figure shown here about ENERBANK USA — 2008 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.