Call reports 2015
ENERBANK USA — 2015
What ENERBANK USA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,050,581,000 | 1,060,699,000 | 1,163,803,000 | 1,252,887,000 |
| Total loans | 974,467,000 | 997,910,000 | 1,084,644,000 | 1,170,534,000 |
| Allowance for loan losses | 7,664,000 | 7,985,000 | 8,589,000 | 8,862,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,840,000 | 13,047,000 | 12,132,000 | 11,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 925,797,000 | 924,718,000 | 1,020,499,000 | 1,099,896,000 |
| Interest-bearing deposits | 925,797,000 | 924,718,000 | 1,020,499,000 | 1,099,896,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 111,952,000 | 119,026,000 | 125,957,000 | 132,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 23,318,000 | 46,869,000 | 72,542,000 | 100,372,000 |
| Interest expense | 2,730,000 | 5,611,000 | 8,739,000 | 12,210,000 |
| Net interest income | 20,588,000 | 41,258,000 | 63,803,000 | 88,162,000 |
| Noninterest income | 46,000 | 1,105,000 | 1,152,000 | 1,203,000 |
| Noninterest expense | 8,146,000 | 16,635,000 | 26,116,000 | 36,472,000 |
| Provision for loan losses | 1,699,000 | 3,511,000 | 5,706,000 | 7,918,000 |
| Pretax income | 10,789,000 | 22,217,000 | 33,133,000 | 44,975,000 |
| Income tax | 4,033,000 | 8,388,000 | 12,373,000 | 17,317,000 |
| Net income | 6,756,000 | 13,829,000 | 20,760,000 | 27,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,813,000 | 118,896,000 | 125,838,000 | 132,746,000 |
| Total capital | 119,477,000 | 126,881,000 | 134,427,000 | 141,608,000 |
| Risk-weighted assets | 995,439,000 | 1,023,046,000 | 1,108,715,000 | 1,197,426,000 |