Call reports 2012
ENERBANK USA — 2012
What ENERBANK USA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 539,963,000 | 526,130,000 | 561,557,000 | 601,919,000 |
| Total loans | 482,622,000 | 490,873,000 | 517,922,000 | 549,899,000 |
| Allowance for loan losses | 4,608,000 | 4,540,000 | 4,392,000 | 4,861,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,453,000 | 8,237,000 | 7,793,000 | 9,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,932,000 | 458,718,000 | 487,665,000 | 527,188,000 |
| Interest-bearing deposits | 476,932,000 | 458,718,000 | 487,665,000 | 527,188,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 54,777,000 | 58,487,000 | 62,325,000 | 66,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,014,000 | 25,982,000 | 39,836,000 | 54,576,000 |
| Interest expense | 1,522,000 | 3,024,000 | 4,561,000 | 6,131,000 |
| Net interest income | 11,492,000 | 22,958,000 | 35,275,000 | 48,445,000 |
| Noninterest income | 63,000 | 121,000 | 170,000 | 215,000 |
| Noninterest expense | 4,525,000 | 9,072,000 | 14,597,000 | 19,721,000 |
| Provision for loan losses | 745,000 | 1,792,000 | 2,575,000 | 4,244,000 |
| Pretax income | 6,285,000 | 12,215,000 | 18,273,000 | 24,695,000 |
| Income tax | 2,319,000 | 4,538,000 | 6,759,000 | 9,350,000 |
| Net income | 3,966,000 | 7,677,000 | 11,514,000 | 15,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,648,000 | 57,461,000 | 61,401,000 | 65,334,000 |
| Total capital | 58,256,000 | 62,001,000 | 65,793,000 | 70,195,000 |
| Risk-weighted assets | 505,413,000 | 511,366,000 | 533,880,000 | 566,985,000 |
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