Call reports 2017
ENERBANK USA — 2017
What ENERBANK USA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,359,402,000 | 1,370,330,000 | 1,443,008,000 | 1,458,780,000 |
| Total loans | 1,256,754,000 | 1,293,296,000 | 1,351,886,000 | 1,369,931,000 |
| Allowance for loan losses | 16,788,000 | 18,094,000 | 19,380,000 | 19,721,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,417,000 | 12,957,000 | 15,715,000 | 16,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,170,532,000 | 1,173,361,000 | 1,239,541,000 | 1,247,700,000 |
| Interest-bearing deposits | 1,170,532,000 | 1,173,362,000 | 1,239,541,000 | 1,247,700,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 170,116,000 | 177,081,000 | 184,050,000 | 190,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 31,838,000 | 63,195,000 | 95,791,000 | 130,501,000 |
| Interest expense | 4,468,000 | 8,938,000 | 13,797,000 | 19,259,000 |
| Net interest income | 27,370,000 | 54,257,000 | 81,994,000 | 111,242,000 |
| Noninterest income | 1,650,000 | 2,119,000 | 2,177,000 | 4,157,000 |
| Noninterest expense | 10,596,000 | 22,114,000 | 33,282,000 | 45,033,000 |
| Provision for loan losses | 4,879,000 | 9,463,000 | 14,832,000 | 20,123,000 |
| Pretax income | 13,545,000 | 24,799,000 | 36,057,000 | 50,243,000 |
| Income tax | 5,117,000 | 9,406,000 | 13,695,000 | 21,603,000 |
| Net income | 8,428,000 | 15,393,000 | 22,362,000 | 28,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,975,000 | 176,958,000 | 183,944,000 | 190,130,000 |
| Total capital | 186,412,000 | 193,973,000 | 201,728,000 | 208,117,000 |
| Risk-weighted assets | 1,314,648,000 | 1,360,157,000 | 1,421,137,000 | 1,437,194,000 |