Call reports 2021
ENERBANK USA — 2021
What ENERBANK USA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Total assets | 3,108,747,000 | 3,074,824,000 | 3,134,746,000 |
| Total loans | 2,827,445,000 | 2,940,790,000 | 3,018,776,000 |
| Allowance for loan losses | 118,019,000 | 119,606,000 | 112,154,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 34,437,000 | 32,124,000 | 31,010,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 2,734,047,000 | 2,668,849,000 | 2,720,588,000 |
| Interest-bearing deposits | 2,734,047,000 | 2,668,849,000 | 2,720,588,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 |
| Equity capital | 318,152,000 | 341,037,000 | 372,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Interest income | 68,700,000 | 136,080,000 | 204,863,000 |
| Interest expense | 10,977,000 | 21,119,000 | 30,560,000 |
| Net interest income | 57,723,000 | 114,961,000 | 174,303,000 |
| Noninterest income | 9,961,000 | 14,118,000 | 17,530,000 |
| Noninterest expense | 20,658,000 | 44,699,000 | 68,425,000 |
| Provision for loan losses | 4,502,000 | 11,925,000 | 9,487,000 |
| Pretax income | 42,524,000 | 72,455,000 | 113,921,000 |
| Income tax | 9,993,000 | 17,038,000 | 26,871,000 |
| Net income | 32,531,000 | 55,417,000 | 87,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Tier 1 capital | 369,483,000 | 392,754,000 | 422,763,000 |