Call reports 2014
ENCORE BANK — 2014
What ENCORE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 351,652,000 | 341,351,000 | 328,787,000 | 354,161,000 |
| Total loans | 182,393,000 | 199,611,000 | 202,718,000 | 215,207,000 |
| Allowance for loan losses | 1,901,000 | 2,009,000 | 2,136,000 | 2,225,000 |
| Securities available for sale | 118,692,000 | 93,528,000 | 81,375,000 | 80,764,000 |
| Securities held to maturity | 0 | 5,333,000 | 5,323,000 | 5,313,000 |
| Trading assets | 11,000 | 25,000 | 12,000 | 22,000 |
| Total deposits | 306,739,000 | 295,357,000 | 285,289,000 | 310,700,000 |
| Interest-bearing deposits | 253,646,000 | 240,803,000 | 233,228,000 | 255,881,000 |
| Noninterest-bearing deposits | 53,093,000 | 54,554,000 | 52,061,000 | 54,819,000 |
| Equity capital | 34,305,000 | 34,687,000 | 32,225,000 | 32,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,880,000 | 5,762,000 | 8,779,000 | 11,785,000 |
| Interest expense | 462,000 | 924,000 | 1,369,000 | 1,832,000 |
| Net interest income | 2,418,000 | 4,838,000 | 7,410,000 | 9,953,000 |
| Noninterest income | 282,000 | 517,000 | 699,000 | 853,000 |
| Noninterest expense | 2,185,000 | 4,531,000 | 9,833,000 | 12,081,000 |
| Provision for loan losses | 177,000 | 293,000 | 428,000 | 531,000 |
| Pretax income | 338,000 | 562,000 | -2,113,000 | -1,781,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 562,000 | -2,113,000 | -1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,847,000 | 30,128,000 | 27,514,000 | 27,897,000 |
| Total capital | 31,748,000 | 32,137,000 | 29,650,000 | 30,122,000 |
| Risk-weighted assets | 206,575,000 | 214,695,000 | 212,228,000 | 215,360,000 |