Call reports 2019
ENERBANK USA — 2019
What ENERBANK USA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,183,703,000 | 2,416,734,000 | 2,681,481,000 | 2,705,921,000 |
| Total loans | 2,043,095,000 | 2,259,459,000 | 2,496,521,000 | 2,533,750,000 |
| Allowance for loan losses | 25,401,000 | 28,264,000 | 32,668,000 | 33,179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,458,000 | 25,666,000 | 24,361,000 | 26,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,914,104,000 | 2,134,349,000 | 2,384,771,000 | 2,393,051,000 |
| Interest-bearing deposits | 1,911,915,000 | 2,131,894,000 | 2,381,918,000 | 2,390,532,000 |
| Noninterest-bearing deposits | 2,189,000 | 2,455,000 | 2,853,000 | 2,519,000 |
| Equity capital | 239,042,000 | 249,873,000 | 260,984,000 | 277,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 48,700,000 | 101,768,000 | 159,115,000 | 220,495,000 |
| Interest expense | 11,325,000 | 24,090,000 | 38,530,000 | 53,389,000 |
| Net interest income | 37,375,000 | 77,678,000 | 120,585,000 | 167,106,000 |
| Noninterest income | 81,000 | 108,000 | 176,000 | 2,780,000 |
| Noninterest expense | 16,089,000 | 32,413,000 | 48,400,000 | 67,797,000 |
| Provision for loan losses | 7,360,000 | 17,083,000 | 29,439,000 | 37,574,000 |
| Pretax income | 14,007,000 | 28,290,000 | 42,922,000 | 64,515,000 |
| Income tax | 3,378,000 | 6,832,000 | 10,353,000 | 15,600,000 |
| Net income | 10,629,000 | 21,458,000 | 32,569,000 | 48,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 238,978,000 | 249,821,000 | 260,944,000 | 277,300,000 |
| Total capital | 264,379,000 | 278,085,000 | 293,612,000 | 310,470,000 |
| Risk-weighted assets | 2,212,723,000 | 2,430,900,000 | 2,630,894,000 | 2,653,626,000 |