Call reports 2020
ENERBANK USA — 2020
What ENERBANK USA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,669,954,000 | 2,840,035,000 | 3,166,799,000 | 3,143,139,000 |
| Total loans | 2,541,723,000 | 2,699,529,000 | 3,022,915,000 | 3,009,829,000 |
| Allowance for loan losses | 98,366,000 | 103,507,000 | 116,281,000 | 123,018,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,740,000 | 28,561,000 | 30,249,000 | 28,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,385,966,000 | 2,525,246,000 | 2,846,148,000 | 2,806,471,000 |
| Interest-bearing deposits | 2,383,812,000 | 2,522,223,000 | 2,846,148,000 | 2,806,471,000 |
| Noninterest-bearing deposits | 2,154,000 | 3,023,000 | 0 | 0 |
| Equity capital | 241,626,000 | 249,708,000 | 261,628,000 | 285,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 61,487,000 | 122,619,000 | 190,135,000 | 260,711,000 |
| Interest expense | 14,719,000 | 27,983,000 | 40,772,000 | 52,741,000 |
| Net interest income | 46,768,000 | 94,636,000 | 149,363,000 | 207,970,000 |
| Noninterest income | 194,000 | 332,000 | 459,000 | 6,985,000 |
| Noninterest expense | 17,304,000 | 41,569,000 | 60,209,000 | 80,134,000 |
| Provision for loan losses | 12,920,000 | 25,290,000 | 45,795,000 | 59,656,000 |
| Pretax income | 16,738,000 | 28,109,000 | 43,818,000 | 75,165,000 |
| Income tax | 2,943,000 | 6,233,000 | 10,022,000 | 17,377,000 |
| Net income | 13,795,000 | 21,876,000 | 33,796,000 | 57,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 278,730,000 | 302,840,000 | 317,786,000 | 340,550,000 |