Call reports 2016
ENERBANK USA — 2016
What ENERBANK USA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,273,462,000 | 1,284,924,000 | 1,340,380,000 | 1,378,199,000 |
| Total loans | 1,184,274,000 | 1,208,248,000 | 1,249,714,000 | 1,293,614,000 |
| Allowance for loan losses | 9,508,000 | 10,438,000 | 11,970,000 | 15,720,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,164,000 | 12,803,000 | 13,331,000 | 12,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,113,763,000 | 1,111,405,000 | 1,163,892,000 | 1,199,894,000 |
| Interest-bearing deposits | 1,113,763,000 | 1,111,405,000 | 1,163,891,000 | 1,199,895,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 141,312,000 | 149,014,000 | 155,747,000 | 161,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 29,474,000 | 58,424,000 | 88,351,000 | 119,499,000 |
| Interest expense | 3,791,000 | 7,732,000 | 11,877,000 | 16,225,000 |
| Net interest income | 25,683,000 | 50,692,000 | 76,474,000 | 103,274,000 |
| Noninterest income | 63,000 | 151,000 | 261,000 | 569,000 |
| Noninterest expense | 9,604,000 | 18,944,000 | 29,202,000 | 38,548,000 |
| Provision for loan losses | 3,160,000 | 6,527,000 | 11,335,000 | 19,225,000 |
| Pretax income | 12,982,000 | 25,372,000 | 36,198,000 | 46,070,000 |
| Income tax | 4,525,000 | 9,213,000 | 13,305,000 | 17,237,000 |
| Net income | 8,457,000 | 16,159,000 | 22,893,000 | 28,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,213,000 | 148,924,000 | 155,668,000 | 161,619,000 |
| Total capital | 150,721,000 | 159,362,000 | 167,638,000 | 177,339,000 |
| Risk-weighted assets | 1,242,570,000 | 1,271,462,000 | 1,314,752,000 | 1,351,546,000 |