Call reports 2007
ENCORE BANK — 2007
What ENCORE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Total assets | 10,717,000 | 11,752,000 | 14,482,000 |
| Total loans | 65,000 | 1,506,000 | 2,584,000 |
| Allowance for loan losses | 1,000 | 23,000 | 30,000 |
| Securities available for sale | 4,739,000 | 5,191,000 | 5,120,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 1,234,000 | 2,483,000 | 5,026,000 |
| Interest-bearing deposits | 1,154,000 | 2,085,000 | 4,768,000 |
| Noninterest-bearing deposits | 80,000 | 398,000 | 258,000 |
| Equity capital | 9,477,000 | 9,199,000 | 9,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Interest income | 37,000 | 148,000 | 298,000 |
| Interest expense | 3,000 | 17,000 | 51,000 |
| Net interest income | 34,000 | 131,000 | 247,000 |
| Noninterest income | 0 | 0 | 2,000 |
| Noninterest expense | 118,000 | 517,000 | 1,006,000 |
| Provision for loan losses | 1,000 | 23,000 | 30,000 |
| Pretax income | -85,000 | -409,000 | -787,000 |
| Income tax | 0 | 0 | -287,000 |
| Net income | -85,000 | -409,000 | -500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Tier 1 capital | 9,477,000 | 9,145,000 | 9,332,000 |
| Total capital | 9,478,000 | 9,168,000 | 9,362,000 |
| Risk-weighted assets | 4,003,000 | 5,087,000 | 7,262,000 |