Call reports 2009
ENERBANK USA — 2009
What ENERBANK USA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 194,691,000 | 203,635,000 | 238,912,000 | 283,734,000 |
| Total loans | 179,033,000 | 194,478,000 | 225,088,000 | 263,671,000 |
| Allowance for loan losses | 3,989,000 | 4,842,000 | 5,782,000 | 5,614,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,143,000 | 3,143,000 | 2,991,000 | 4,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,248,000 | 160,819,000 | 163,904,000 | 215,006,000 |
| Interest-bearing deposits | 154,248,000 | 160,819,000 | 163,904,000 | 215,006,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 19,675,000 | 21,130,000 | 21,602,000 | 24,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,671,000 | 11,296,000 | 17,816,000 | 25,074,000 |
| Interest expense | 1,800,000 | 3,405,000 | 4,913,000 | 6,385,000 |
| Net interest income | 3,871,000 | 7,891,000 | 12,903,000 | 18,689,000 |
| Noninterest income | 33,000 | 70,000 | 103,000 | 130,000 |
| Noninterest expense | 1,997,000 | 4,112,000 | 6,178,000 | 8,598,000 |
| Provision for loan losses | 1,467,000 | 3,450,000 | 5,687,000 | 6,657,000 |
| Pretax income | 440,000 | 399,000 | 1,141,000 | 3,564,000 |
| Income tax | 124,000 | 128,000 | 398,000 | 1,347,000 |
| Net income | 316,000 | 271,000 | 743,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,893,000 | 19,017,000 | 21,602,000 | 24,575,000 |
| Total capital | 20,248,000 | 21,558,000 | 24,548,000 | 27,994,000 |
| Risk-weighted assets | 186,747,000 | 200,980,000 | 232,797,000 | 271,316,000 |
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