Entegra financial corp. (ENFC)
Balance Sheet / Yearly
Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Dec'13
Assets
Cash and due from banks

17,662

14,121

15,494

15,409

13,309

14,880

7,602

15,534

15,535

13,474

14,565

10,709

11,674

11,805

7,279

8,421

8,015

7,793

6,751

7,860

6,973

6,749

9,045

Interest-earning deposits

126,534

73,801

82,791

53,710

103,956

98,239

115,995

93,933

78,963

66,637

69,652

32,585

50,355

46,140

38,621

32,229

34,395

21,202

40,878

51,122

77,120

33,061

25,236

Cash and cash equivalents

144,196

87,922

98,285

69,119

117,265

113,119

123,597

109,467

94,498

80,111

84,217

43,294

62,029

57,945

45,900

40,650

42,410

28,995

47,629

58,982

84,093

39,810

34,281

Investments - equity securities

6,947

6,967

6,812

6,178

6,983

6,696

6,609

6,095

5,840

5,636

5,499

5,211

5,133

4,991

4,841

4,714

-

-

-

0

-

-

-

Investments - available for sale

349,327

354,595

357,132

359,738

353,759

334,344

339,816

342,863

401,226

427,831

431,737

398,291

322,710

291,334

260,049

238,862

229,606

239,741

223,741

219,859

187,959

170,803

155,484

Investments - held to maturity (fair value of $41,812 at December 31, 2015 )

-

-

-

-

-

-

-

-

-

-

-

-

-

30,907

34,035

41,164

38,582

39,777

40,723

29,285

25,536

25,487

20,988

Other investments, at cost

11,652

11,752

12,092

12,039

12,039

12,039

12,464

12,386

12,633

12,208

12,208

15,261

11,436

10,798

9,374

8,834

8,069

7,432

5,498

4,908

4,012

-

3,659

Loans held for sale (includes loans at fair value of $1,821 and $0, respectively)

-

-

-

-

3,970

5,113

4,024

-

3,818

3,668

2,309

4,584

8,428

7,300

5,182

8,348

-

-

-

10,761

-

-

-

Loans held for sale (includes $5,221 and $2,431 at fair value)

11,142

11,415

9,208

7,570

-

-

-

3,845

-

-

-

-

-

-

-

-

4,771

9,635

7,232

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,427

7,921

5,688

Loans receivable,net

1,076,581

1,087,419

1,079,837

1,076,069

1,068,012

1,052,172

1,035,649

1,005,139

817,034

794,687

759,150

744,361

727,403

721,461

632,895

624,072

601,539

582,466

549,874

540,479

530,021

531,410

521,874

Allowance for loan losses

12,309

12,194

12,043

11,985

11,746

11,525

11,167

10,887

10,057

9,934

9,498

9,305

9,104

8,940

9,498

9,461

9,633

9,451

9,611

11,072

11,772

11,561

14,251

Fixed assets, net

25,430

25,729

26,093

26,385

26,605

24,419

24,101

24,113

20,888

21,022

21,245

20,209

20,442

20,600

17,524

17,673

15,282

14,981

15,186

13,004

13,139

12,996

13,006

Real estate owned

3,088

2,959

2,256

2,493

2,818

2,802

2,874

2,568

2,437

2,487

4,090

4,226

4,624

5,413

5,430

5,369

5,379

4,710

4,917

4,425

6,167

7,485

10,506

Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,515

-

Accrued interest receivable

6,163

6,730

6,669

6,443

6,158

5,706

5,539

5,405

5,436

5,211

5,287

5,012

4,309

4,260

3,816

3,554

3,366

3,236

3,144

2,925

3,007

2,671

2,673

Bank owned life insurance

32,461

32,272

32,087

32,886

32,738

32,543

32,349

32,150

31,950

31,742

31,528

31,347

31,169

21,059

20,964

20,858

20,748

20,638

20,529

20,417

20,302

20,187

19,961

Small Business Investment Company Holdings, at cost

4,993

4,632

4,306

3,839

3,609

3,537

3,559

3,491

3,090

2,771

-

1,655

-

-

-

-

-

-

-

-

-

-

-

Net deferred tax asset

2,871

3,956

5,265

7,551

8,672

8,515

8,903

8,831

14,478

15,851

18,259

18,985

15,375

15,957

16,839

18,830

18,097

19,351

1,759

2,089

2,434

2,391

4,210

Real estate held for investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

2,434

2,420

2,489

2,543

2,560

2,489

Loan servicing rights

2,520

2,563

2,753

2,837

2,771

2,685

2,726

2,756

2,713

2,718

2,638

2,603

2,426

2,392

2,398

2,344

2,318

2,158

2,232

2,187

2,064

2,089

1,883

Goodwill

23,903

23,903

23,903

23,903

23,903

23,903

23,903

23,903

7,144

7,144

7,144

2,065

2,055

1,872

711

711

-

-

-

0

-

-

-

Core deposit intangible

3,059

3,231

3,404

3,577

3,750

3,923

4,096

4,269

2,371

2,470

2,569

979

-

-

-

590

-

-

-

-

-

-

-

Core deposit intangible

-

-

-

-

-

-

-

-

-

-

-

-

1,019

1,059

569

-

-

-

-

0

-

-

-

Other assets

11,999

10,358

11,092

7,799

8,260

8,303

6,402

5,055

4,334

3,853

5,923

4,099

8,918

4,219

4,017

4,304

3,787

3,421

3,777

2,910

2,508

3,501

2,442

Total assets

1,704,023

1,664,209

1,669,151

1,636,441

1,669,566

1,628,294

1,625,444

1,581,449

1,419,833

1,409,476

1,384,305

1,292,877

1,218,372

1,192,627

1,055,046

1,031,416

984,321

969,524

919,050

903,648

884,440

820,265

784,893

Liabilities and Equity
Liabilities:
Core deposits

905,965

848,188

828,850

795,261

-

-

-

763,422

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Retail certificates of deposit

303,601

322,964

340,047

349,971

-

-

-

357,630

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Wholesale deposits

70,379

75,681

77,322

76,008

-

-

-

41,125

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposits

-

-

-

-

1,256,032

1,220,578

1,205,908

-

1,004,839

1,013,998

987,991

830,013

837,278

828,874

720,712

716,617

683,073

692,537

699,783

703,117

710,673

712,576

684,226

Federal Home Loan Bank advances

205,500

205,500

213,500

213,500

213,500

213,500

223,500

223,500

233,500

223,500

223,500

298,500

208,500

193,500

163,500

153,500

135,500

120,500

75,000

60,000

40,000

40,000

40,000

Junior subordinated notes

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

14,433

Other borrowings

4,463

4,386

9,385

9,299

9,395

9,377

9,085

8,623

8,588

3,371

2,905

2,725

2,620

2,675

2,547

2,198

2,450

2,366

2,086

0

-

-

-

Post employment benefits

9,205

9,344

9,410

9,305

9,887

9,941

10,011

10,174

10,145

10,163

10,209

10,211

10,249

10,253

10,253

10,224

10,076

9,975

9,891

9,759

9,850

9,935

10,199

Accrued interest payable

1,730

1,543

1,173

1,647

1,358

998

765

935

910

644

566

254

244

265

250

213

205

216

330

323

2,267

2,068

2,023

Other liabilities

5,771

5,220

4,106

4,145

8,231

4,681

9,866

10,294

3,893

3,234

9,697

3,673

6,844

5,653

9,113

2,762

7,749

2,355

5,688

8,697

2,888

1,811

1,494

Total liabilities

1,521,047

1,487,259

1,498,226

1,473,569

1,512,836

1,473,508

1,473,568

1,430,136

1,276,308

1,269,343

1,249,301

1,159,809

1,080,168

1,055,653

920,808

899,947

853,486

842,382

807,211

796,329

780,111

780,823

752,375

Commitments and contingencies

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

0

0

0

0

0

0

0

Shareholders' Equity:
Preferred stock - no par value, 10,000,000 shares authorized; none issued and outstanding

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

-

0

Common stock - no par value, 50,000,000 shares authorized; 6,925,283 and 6,917,703 shares issued and outstanding as of September 30, 2019 and December 31, 2018, respectively

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

-

0

Common stock held by Rabbi Trust, at cost; 17,672 shares at September 30, 2019 and December 31, 2018

379

379

379

379

379

379

379

379

279

279

279

279

279

279

279

279

-

-

-

0

-

-

-

Additional paid in capital

74,816

74,576

74,320

74,051

73,865

73,608

73,360

72,997

63,031

62,802

62,584

62,664

62,987

62,759

62,667

63,722

63,651

63,651

63,651

63,651

63,733

-

0

Retained earnings

102,600

98,603

96,439

92,624

88,901

85,378

82,291

78,718

82,012

79,541

77,439

76,139

73,786

71,987

71,129

69,763

67,822

65,657

48,552

45,937

44,635

-

39,994

Retained earnings, substantially restricted

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42,753

-

Accumulated other comprehensive loss

5,939

4,150

545

-3,424

-5,657

-3,821

-3,396

-23

-1,239

-1,931

-4,740

-5,456

1,710

2,507

721

-1,736

-638

-2,166

-364

-2,269

-4,039

-3,311

-7,476

Total shareholders' equity

182,976

176,950

170,925

162,872

156,730

154,786

151,876

151,313

143,525

140,133

135,004

133,068

138,204

136,974

134,238

131,469

130,835

127,142

111,839

107,319

104,329

39,442

32,518

Total liabilities and shareholders' equity

1,704,023

1,664,209

1,669,151

1,636,441

1,669,566

1,628,294

1,625,444

1,581,449

1,419,833

1,409,476

1,384,305

1,292,877

1,218,372

1,192,627

1,055,046

1,031,416

984,321

969,524

919,050

903,648

884,440

820,265

784,893