Call reports 2016
ENCORE BANK — 2016
What ENCORE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 377,727,000 | 383,638,000 | 381,977,000 | 391,357,000 |
| Total loans | 250,561,000 | 256,447,000 | 282,747,000 | 296,585,000 |
| Allowance for loan losses | 2,918,000 | 3,086,000 | 3,206,000 | 3,335,000 |
| Securities available for sale | 64,354,000 | 64,815,000 | 54,432,000 | 50,353,000 |
| Securities held to maturity | 6,963,000 | 8,413,000 | 9,247,000 | 9,234,000 |
| Trading assets | 50,000 | 54,000 | 40,000 | 18,000 |
| Total deposits | 333,505,000 | 336,915,000 | 324,420,000 | 341,648,000 |
| Interest-bearing deposits | 270,134,000 | 272,467,000 | 255,876,000 | 274,477,000 |
| Noninterest-bearing deposits | 63,371,000 | 64,448,000 | 68,544,000 | 67,171,000 |
| Equity capital | 36,638,000 | 37,119,000 | 37,300,000 | 37,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,245,000 | 6,546,000 | 9,910,000 | 13,433,000 |
| Interest expense | 459,000 | 891,000 | 1,299,000 | 1,699,000 |
| Net interest income | 2,786,000 | 5,655,000 | 8,611,000 | 11,734,000 |
| Noninterest income | 263,000 | 513,000 | 750,000 | 985,000 |
| Noninterest expense | 2,389,000 | 4,817,000 | 7,217,000 | 9,583,000 |
| Provision for loan losses | 135,000 | 260,000 | 380,000 | 508,000 |
| Pretax income | 526,000 | 1,090,000 | 1,785,000 | 2,649,000 |
| Income tax | 164,000 | 349,000 | 589,000 | 894,000 |
| Net income | 362,000 | 741,000 | 1,196,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,603,000 | 32,175,000 | 32,619,000 | 33,195,000 |
| Total capital | 34,521,000 | 35,261,000 | 35,825,000 | 36,530,000 |
| Risk-weighted assets | 251,300,000 | 259,091,000 | 275,856,000 | 287,934,000 |