Call reports 2012
ENCORE BANK — 2012
What ENCORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 258,072,000 | 249,525,000 | 242,010,000 | 353,662,000 |
| Total loans | 107,923,000 | 110,769,000 | 111,674,000 | 136,934,000 |
| Allowance for loan losses | 897,000 | 993,000 | 1,118,000 | 1,110,000 |
| Securities available for sale | 122,527,000 | 112,691,000 | 93,450,000 | 127,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,051,000 | 211,021,000 | 203,379,000 | 310,570,000 |
| Interest-bearing deposits | 187,065,000 | 179,671,000 | 171,351,000 | 249,433,000 |
| Noninterest-bearing deposits | 32,986,000 | 31,351,000 | 32,028,000 | 61,137,000 |
| Equity capital | 31,066,000 | 31,388,000 | 31,673,000 | 36,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,176,000 | 4,431,000 | 6,618,000 | 8,707,000 |
| Interest expense | 424,000 | 834,000 | 1,180,000 | 1,525,000 |
| Net interest income | 1,752,000 | 3,597,000 | 5,438,000 | 7,182,000 |
| Noninterest income | 87,000 | 522,000 | 728,000 | 943,000 |
| Noninterest expense | 1,640,000 | 3,832,000 | 5,958,000 | 8,246,000 |
| Provision for loan losses | 202,000 | 477,000 | 689,000 | 890,000 |
| Pretax income | -3,000 | 50,000 | 597,000 | 718,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,000 | 50,000 | 597,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,087,000 | 24,159,000 | 24,650,000 | 29,367,000 |
| Total capital | 24,984,000 | 25,152,000 | 25,767,000 | 30,477,000 |
| Risk-weighted assets | 114,867,000 | 130,352,000 | 119,211,000 | 158,073,000 |