Call reports 2017
ENCORE BANK — 2017
What ENCORE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 418,085,000 | 396,754,000 | 395,455,000 | 385,605,000 |
| Total loans | 293,887,000 | 298,393,000 | 317,598,000 | 310,906,000 |
| Allowance for loan losses | 3,461,000 | 3,540,000 | 3,542,000 | 3,500,000 |
| Securities available for sale | 53,057,000 | 51,186,000 | 35,197,000 | 33,355,000 |
| Securities held to maturity | 9,222,000 | 9,209,000 | 9,196,000 | 9,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,443,000 | 346,231,000 | 326,102,000 | 334,727,000 |
| Interest-bearing deposits | 286,142,000 | 265,647,000 | 261,719,000 | 264,898,000 |
| Noninterest-bearing deposits | 82,301,000 | 80,584,000 | 64,383,000 | 69,829,000 |
| Equity capital | 37,679,000 | 38,444,000 | 39,260,000 | 40,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,580,000 | 7,308,000 | 11,240,000 | 15,098,000 |
| Interest expense | 377,000 | 762,000 | 1,190,000 | 1,648,000 |
| Net interest income | 3,203,000 | 6,546,000 | 10,050,000 | 13,450,000 |
| Noninterest income | 267,000 | 540,000 | 762,000 | 986,000 |
| Noninterest expense | 2,540,000 | 5,058,000 | 7,504,000 | 9,984,000 |
| Provision for loan losses | 125,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 805,000 | 1,828,000 | 3,116,000 | 4,260,000 |
| Income tax | 283,000 | 657,000 | 1,125,000 | 1,221,000 |
| Net income | 522,000 | 1,171,000 | 1,991,000 | 3,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,533,000 | 34,205,000 | 35,046,000 | 36,117,000 |
| Total capital | 36,994,000 | 37,745,000 | 38,588,000 | 39,617,000 |
| Risk-weighted assets | 280,282,000 | 289,112,000 | 311,785,000 | 305,609,000 |