# ENCORE BANK NATIONAL ASSN
HOUSTON, TX · FDIC certificate 34378 · asset band $1-10B · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.63B | |
| Deposits | $1.22B | |
| Loans and leases | $1.05B | |
| Total equity | $188.3M | |
| Loans / deposits | 84.80% (p64 of band) | 78.24% |
| Liquid assets / assets | 30.20% (p56 of band) | |
| Uninsured deposits / deposits | 37.08% (p89 of band) | 17.50% |
| Brokered deposits | 0.92% | |
| Wholesale funding | 14.23% (p74 of band) | |
| FHLB advances / assets | 12.77% | |
| Tier 1 leverage | 9.44% (p47 of band) | 9.58% |
| Unrealized securities loss / equity | 2.88% (p44 of band) | 3.68% |
| AOCI / equity | 0.44% (p64 of band) | |
| ROA (annualized) | 0.90% (p51 of band) | 0.87% |
| Net interest margin | 3.44% (p36 of band) | 3.66% |
| Efficiency ratio | 67.64% (p58 of band) | |
| Noncurrent loans | 0.86% (p21 of band) | 1.93% |
| Net charge-offs (annualized) | 0.15% (p37 of band) | |
| Reserve coverage of noncurrent | 196.16% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 30.59% (p49 of band) | |
| Auto loans | $799,000 (0.08% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 15.8% | |
| Employees | 259 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34378 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "34378", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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