Call reports 2015
ENCORE BANK — 2015
What ENCORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 364,134,000 | 346,689,000 | 341,353,000 | 355,826,000 |
| Total loans | 220,197,000 | 224,396,000 | 220,067,000 | 249,435,000 |
| Allowance for loan losses | 2,315,000 | 2,486,000 | 2,645,000 | 2,802,000 |
| Securities available for sale | 83,287,000 | 75,190,000 | 71,413,000 | 67,287,000 |
| Securities held to maturity | 5,304,000 | 5,294,000 | 5,284,000 | 5,274,000 |
| Trading assets | 40,000 | 31,000 | 50,000 | 21,000 |
| Total deposits | 329,167,000 | 310,649,000 | 299,693,000 | 312,292,000 |
| Interest-bearing deposits | 267,996,000 | 249,096,000 | 240,856,000 | 255,470,000 |
| Noninterest-bearing deposits | 61,171,000 | 61,553,000 | 58,837,000 | 56,822,000 |
| Equity capital | 33,214,000 | 33,819,000 | 34,239,000 | 34,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,032,000 | 6,082,000 | 9,065,000 | 12,210,000 |
| Interest expense | 463,000 | 908,000 | 1,328,000 | 1,762,000 |
| Net interest income | 2,569,000 | 5,174,000 | 7,737,000 | 10,448,000 |
| Noninterest income | 261,000 | 458,000 | 711,000 | 897,000 |
| Noninterest expense | 2,383,000 | 4,801,000 | 7,219,000 | 9,511,000 |
| Provision for loan losses | 136,000 | 256,000 | 360,000 | 515,000 |
| Pretax income | 385,000 | 676,000 | 970,000 | 1,420,000 |
| Income tax | 0 | -609,000 | -522,000 | -376,000 |
| Net income | 385,000 | 1,285,000 | 1,492,000 | 1,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,575,000 | 28,878,000 | 29,183,000 | 29,645,000 |
| Total capital | 30,890,000 | 31,364,000 | 31,828,000 | 32,447,000 |
| Risk-weighted assets | 224,248,000 | 224,637,000 | 223,343,000 | 249,654,000 |