Call reports 2010
ENCORE BANK — 2010
What ENCORE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 36,571,000 | 34,969,000 | 35,228,000 | 237,847,000 |
| Total loans | 22,553,000 | 21,819,000 | 22,158,000 | 83,579,000 |
| Allowance for loan losses | 322,000 | 297,000 | 313,000 | 1,764,000 |
| Securities available for sale | 5,674,000 | 3,831,000 | 3,355,000 | 3,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,820,000 | 27,269,000 | 27,623,000 | 206,829,000 |
| Interest-bearing deposits | 28,028,000 | 25,166,000 | 26,808,000 | 145,960,000 |
| Noninterest-bearing deposits | 792,000 | 2,103,000 | 815,000 | 60,869,000 |
| Equity capital | 7,679,000 | 7,604,000 | 7,509,000 | 27,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 456,000 | 889,000 | 1,299,000 | 0 |
| Interest expense | 146,000 | 273,000 | 390,000 | 0 |
| Net interest income | 310,000 | 616,000 | 909,000 | 0 |
| Noninterest income | 5,000 | 14,000 | 23,000 | 0 |
| Noninterest expense | 478,000 | 919,000 | 1,319,000 | 0 |
| Provision for loan losses | 182,000 | 177,000 | 192,000 | 0 |
| Pretax income | -345,000 | -466,000 | -579,000 | 0 |
| Income tax | -134,000 | -184,000 | -230,000 | 0 |
| Net income | -211,000 | -282,000 | -349,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,979,000 | 5,763,000 | 5,650,000 | 19,491,000 |
| Total capital | 6,301,000 | 6,060,000 | 5,963,000 | 20,945,000 |
| Risk-weighted assets | 26,162,000 | 25,413,000 | 25,319,000 | 116,015,000 |