Call reports 2018
ENERBANK USA — 2018
What ENERBANK USA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,458,692,000 | 1,612,407,000 | 1,780,754,000 | 2,015,279,000 |
| Total loans | 1,370,136,000 | 1,439,489,000 | 1,642,949,000 | 1,881,532,000 |
| Allowance for loan losses | 20,600,000 | 22,693,000 | 22,833,000 | 24,333,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,420,000 | 19,462,000 | 22,042,000 | 21,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,238,273,000 | 1,385,826,000 | 1,537,893,000 | 1,762,688,000 |
| Interest-bearing deposits | 1,238,273,000 | 1,383,658,000 | 1,535,513,000 | 1,760,417,000 |
| Noninterest-bearing deposits | 0 | 2,167,000 | 2,380,000 | 2,270,000 |
| Equity capital | 199,091,000 | 206,676,000 | 217,068,000 | 228,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 34,790,000 | 70,362,000 | 110,557,000 | 156,442,000 |
| Interest expense | 5,535,000 | 11,626,000 | 19,361,000 | 29,007,000 |
| Net interest income | 29,255,000 | 58,736,000 | 91,196,000 | 127,435,000 |
| Noninterest income | 118,000 | 200,000 | 261,000 | 305,000 |
| Noninterest expense | 11,957,000 | 24,621,000 | 38,479,000 | 52,598,000 |
| Provision for loan losses | 5,870,000 | 12,776,000 | 17,747,000 | 24,695,000 |
| Pretax income | 11,546,000 | 21,539,000 | 35,231,000 | 50,447,000 |
| Income tax | 2,783,000 | 5,191,000 | 8,491,000 | 12,360,000 |
| Net income | 8,763,000 | 16,348,000 | 26,740,000 | 38,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,696,000 | 206,323,000 | 216,760,000 | 228,158,000 |
| Total capital | 216,785,000 | 225,484,000 | 238,864,000 | 252,491,000 |
| Risk-weighted assets | 1,444,755,000 | 1,529,314,000 | 1,767,625,000 | 2,034,110,000 |