Call reports 2011
ENERBANK USA — 2011
What ENERBANK USA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 424,918,000 | 436,366,000 | 477,206,000 | 522,905,000 |
| Total loans | 384,774,000 | 402,661,000 | 444,033,000 | 485,969,000 |
| Allowance for loan losses | 4,437,000 | 4,518,000 | 4,800,000 | 4,856,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,252,000 | 7,126,000 | 7,096,000 | 6,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,840,000 | 385,127,000 | 422,475,000 | 462,221,000 |
| Interest-bearing deposits | 376,840,000 | 385,127,000 | 422,475,000 | 462,221,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 42,391,000 | 44,531,000 | 46,913,000 | 50,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 11,109,000 | 21,200,000 | 31,728,000 | 43,632,000 |
| Interest expense | 1,575,000 | 3,142,000 | 4,724,000 | 6,299,000 |
| Net interest income | 9,534,000 | 18,058,000 | 27,004,000 | 37,333,000 |
| Noninterest income | 110,000 | 212,000 | 275,000 | 336,000 |
| Noninterest expense | 3,899,000 | 8,132,000 | 12,050,000 | 16,791,000 |
| Provision for loan losses | 1,005,000 | 1,959,000 | 3,272,000 | 4,199,000 |
| Pretax income | 4,740,000 | 8,179,000 | 11,957,000 | 16,679,000 |
| Income tax | 1,770,000 | 3,068,000 | 4,464,000 | 6,288,000 |
| Net income | 2,970,000 | 5,111,000 | 7,493,000 | 10,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,851,000 | 43,094,000 | 45,579,000 | 49,579,000 |
| Total capital | 45,288,000 | 47,612,000 | 50,379,000 | 54,435,000 |
| Risk-weighted assets | 403,404,000 | 420,810,000 | 462,488,000 | 506,103,000 |
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