Call reports 2013
ENERBANK USA — 2013
What ENERBANK USA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 591,151,000 | 586,042,000 | 667,175,000 | 750,879,000 |
| Total loans | 546,113,000 | 548,383,000 | 602,463,000 | 690,812,000 |
| Allowance for loan losses | 4,595,000 | 4,514,000 | 4,701,000 | 4,712,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,593,000 | 10,464,000 | 10,065,000 | 10,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,079,000 | 499,436,000 | 575,668,000 | 651,950,000 |
| Interest-bearing deposits | 511,079,000 | 499,437,000 | 575,668,000 | 651,950,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 70,978,000 | 75,709,000 | 79,764,000 | 84,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 14,947,000 | 30,499,000 | 45,382,000 | 61,827,000 |
| Interest expense | 1,486,000 | 2,970,000 | 4,471,000 | 6,189,000 |
| Net interest income | 13,461,000 | 27,529,000 | 40,911,000 | 55,638,000 |
| Noninterest income | 50,000 | 104,000 | 154,000 | 206,000 |
| Noninterest expense | 5,176,000 | 10,832,000 | 16,732,000 | 22,557,000 |
| Provision for loan losses | 685,000 | 1,578,000 | 2,648,000 | 3,629,000 |
| Pretax income | 7,650,000 | 15,223,000 | 21,685,000 | 29,658,000 |
| Income tax | 2,827,000 | 5,669,000 | 8,076,000 | 11,080,000 |
| Net income | 4,823,000 | 9,554,000 | 13,609,000 | 18,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,260,000 | 75,093,000 | 78,755,000 | 83,853,000 |
| Total capital | 74,855,000 | 79,607,000 | 83,456,000 | 88,565,000 |
| Risk-weighted assets | 563,120,000 | 566,568,000 | 621,382,000 | 710,328,000 |
Machine access — free, no API key
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