Call reports 2013
ENCORE BANK — 2013
What ENCORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 326,751,000 | 327,976,000 | 328,917,000 | 349,772,000 |
| Total loans | 152,086,000 | 162,059,000 | 166,838,000 | 173,896,000 |
| Allowance for loan losses | 1,353,000 | 1,537,000 | 1,574,000 | 1,766,000 |
| Securities available for sale | 139,931,000 | 123,570,000 | 126,063,000 | 129,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,690,000 | 283,046,000 | 284,324,000 | 305,546,000 |
| Interest-bearing deposits | 245,639,000 | 238,231,000 | 238,984,000 | 256,357,000 |
| Noninterest-bearing deposits | 39,051,000 | 44,815,000 | 45,340,000 | 49,189,000 |
| Equity capital | 35,829,000 | 34,185,000 | 33,705,000 | 33,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,435,000 | 4,886,000 | 7,490,000 | 10,618,000 |
| Interest expense | 444,000 | 861,000 | 1,394,000 | 1,841,000 |
| Net interest income | 1,991,000 | 4,025,000 | 6,096,000 | 8,777,000 |
| Noninterest income | 263,000 | 659,000 | 1,046,000 | 1,484,000 |
| Noninterest expense | 2,205,000 | 4,392,000 | 6,524,000 | 9,556,000 |
| Provision for loan losses | 231,000 | 469,000 | 709,000 | 932,000 |
| Pretax income | 174,000 | 424,000 | 174,000 | -149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 424,000 | 174,000 | -149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,598,000 | 29,907,000 | 29,716,000 | 29,451,000 |
| Total capital | 30,951,000 | 31,444,000 | 31,290,000 | 31,217,000 |
| Risk-weighted assets | 163,241,000 | 179,748,000 | 186,655,000 | 207,078,000 |