Call reports 2009
ENCORE BANK — 2009
What ENCORE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,196,000 | 31,551,000 | 36,847,000 | 37,569,000 |
| Total loans | 14,882,000 | 17,061,000 | 23,157,000 | 22,268,000 |
| Allowance for loan losses | 246,000 | 277,000 | 376,000 | 292,000 |
| Securities available for sale | 7,139,000 | 5,965,000 | 5,533,000 | 6,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,854,000 | 23,477,000 | 28,966,000 | 29,556,000 |
| Interest-bearing deposits | 20,329,000 | 22,921,000 | 28,300,000 | 28,780,000 |
| Noninterest-bearing deposits | 525,000 | 556,000 | 666,000 | 776,000 |
| Equity capital | 8,264,000 | 7,959,000 | 7,745,000 | 7,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 638,000 | 1,065,000 | 1,555,000 |
| Interest expense | 155,000 | 309,000 | 479,000 | 646,000 |
| Net interest income | 155,000 | 329,000 | 586,000 | 909,000 |
| Noninterest income | 9,000 | 33,000 | 42,000 | 52,000 |
| Noninterest expense | 442,000 | 889,000 | 1,302,000 | 1,806,000 |
| Provision for loan losses | 28,000 | 58,000 | 158,000 | 235,000 |
| Pretax income | -306,000 | -585,000 | -832,000 | -1,080,000 |
| Income tax | 0 | 0 | 0 | -408,000 |
| Net income | -306,000 | -585,000 | -832,000 | -672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,089,000 | 6,807,000 | 6,581,000 | 6,320,000 |
| Total capital | 7,333,000 | 7,070,000 | 6,912,000 | 6,612,000 |
| Risk-weighted assets | 19,545,000 | 21,826,000 | 26,415,000 | 27,240,000 |