Call reports 2011
ENCORE BANK — 2011
What ENCORE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 239,448,000 | 243,020,000 | 243,269,000 | 239,736,000 |
| Total loans | 81,798,000 | 80,916,000 | 92,148,000 | 93,996,000 |
| Allowance for loan losses | 1,813,000 | 1,774,000 | 1,841,000 | 732,000 |
| Securities available for sale | 90,213,000 | 93,947,000 | 117,171,000 | 118,745,000 |
| Securities held to maturity | 14,728,000 | 15,193,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,280,000 | 213,598,000 | 207,018,000 | 207,484,000 |
| Interest-bearing deposits | 186,374,000 | 192,465,000 | 186,680,000 | 184,514,000 |
| Noninterest-bearing deposits | 24,906,000 | 21,133,000 | 20,338,000 | 22,970,000 |
| Equity capital | 27,397,000 | 28,231,000 | 34,460,000 | 30,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,827,000 | 3,991,000 | 6,220,000 | 8,430,000 |
| Interest expense | 574,000 | 1,086,000 | 1,600,000 | 2,075,000 |
| Net interest income | 1,253,000 | 2,905,000 | 4,620,000 | 6,355,000 |
| Noninterest income | 195,000 | 401,000 | 630,000 | 1,186,000 |
| Noninterest expense | 1,771,000 | 3,714,000 | 5,546,000 | 7,984,000 |
| Provision for loan losses | 92,000 | 191,000 | 239,000 | 940,000 |
| Pretax income | -415,000 | -599,000 | -295,000 | -843,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -415,000 | -599,000 | -295,000 | -843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,260,000 | 19,076,000 | 23,880,000 | 24,235,000 |
| Total capital | 20,699,000 | 20,489,000 | 25,411,000 | 24,967,000 |
| Risk-weighted assets | 114,770,000 | 114,088,000 | 122,196,000 | 106,953,000 |