Call reports 2014
ENERBANK USA — 2014
What ENERBANK USA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 771,171,000 | 837,314,000 | 916,364,000 | 1,008,855,000 |
| Total loans | 717,462,000 | 774,797,000 | 852,986,000 | 945,518,000 |
| Allowance for loan losses | 5,151,000 | 5,496,000 | 6,292,000 | 7,505,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,413,000 | 11,526,000 | 10,935,000 | 10,593,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 668,202,000 | 731,643,000 | 800,773,000 | 885,992,000 |
| Interest-bearing deposits | 668,202,000 | 731,644,000 | 800,773,000 | 885,992,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 89,983,000 | 95,229,000 | 100,400,000 | 105,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 18,187,000 | 36,765,000 | 56,257,000 | 77,440,000 |
| Interest expense | 1,800,000 | 3,708,000 | 5,812,000 | 8,340,000 |
| Net interest income | 16,387,000 | 33,057,000 | 50,445,000 | 69,100,000 |
| Noninterest income | 69,000 | 147,000 | 218,000 | 287,000 |
| Noninterest expense | 6,434,000 | 13,390,000 | 20,474,000 | 27,599,000 |
| Provision for loan losses | 1,669,000 | 3,081,000 | 5,150,000 | 8,130,000 |
| Pretax income | 8,353,000 | 16,733,000 | 25,039,000 | 33,658,000 |
| Income tax | 3,104,000 | 6,238,000 | 9,372,000 | 13,195,000 |
| Net income | 5,249,000 | 10,495,000 | 15,667,000 | 20,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,229,000 | 94,603,000 | 99,901,000 | 104,825,000 |
| Total capital | 94,380,000 | 100,099,000 | 106,193,000 | 112,330,000 |
| Risk-weighted assets | 736,760,000 | 794,438,000 | 873,497,000 | 966,321,000 |
Machine access — free, no API key
Every figure shown here about ENERBANK USA — 2014 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.