Call reports 2010
ENERBANK USA — 2010
What ENERBANK USA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 285,727,000 | 313,321,000 | 358,465,000 | 409,851,000 |
| Total loans | 273,316,000 | 301,398,000 | 336,561,000 | 390,066,000 |
| Allowance for loan losses | 5,145,000 | 5,515,000 | 5,227,000 | 4,617,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,125,000 | 4,489,000 | 5,431,000 | 5,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,198,000 | 280,540,000 | 319,776,000 | 364,157,000 |
| Interest-bearing deposits | 240,198,000 | 280,540,000 | 319,776,000 | 364,157,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 26,867,000 | 28,285,000 | 32,858,000 | 39,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,318,000 | 16,685,000 | 26,295,000 | 36,101,000 |
| Interest expense | 1,471,000 | 3,006,000 | 4,568,000 | 6,126,000 |
| Net interest income | 6,847,000 | 13,679,000 | 21,727,000 | 29,975,000 |
| Noninterest income | 18,000 | 34,000 | 52,000 | 113,000 |
| Noninterest expense | 2,640,000 | 5,456,000 | 8,777,000 | 12,538,000 |
| Provision for loan losses | 674,000 | 2,441,000 | 3,168,000 | 3,560,000 |
| Pretax income | 3,551,000 | 5,816,000 | 9,834,000 | 13,990,000 |
| Income tax | 1,259,000 | 2,106,000 | 3,551,000 | 5,146,000 |
| Net income | 2,292,000 | 3,710,000 | 6,283,000 | 8,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,867,000 | 28,285,000 | 32,858,000 | 37,777,000 |
| Total capital | 30,396,000 | 32,171,000 | 37,204,000 | 42,394,000 |
| Risk-weighted assets | 280,711,000 | 309,302,000 | 346,869,000 | 402,808,000 |
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