Call reports 2005
ENTERPRISE BANK OF FLORIDA — 2005
What ENTERPRISE BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 199,963,000 | 195,063,000 | 183,896,000 | 181,663,000 |
| Total loans | 115,274,000 | 112,632,000 | 107,533,000 | 109,720,000 |
| Allowance for loan losses | 1,038,000 | 1,062,000 | 1,085,000 | 1,105,000 |
| Securities available for sale | 75,967,000 | 73,270,000 | 67,569,000 | 63,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,067,000 | 117,444,000 | 126,726,000 | 154,437,000 |
| Interest-bearing deposits | 106,270,000 | 99,408,000 | 108,714,000 | 135,673,000 |
| Noninterest-bearing deposits | 19,797,000 | 18,036,000 | 18,012,000 | 18,764,000 |
| Equity capital | 13,900,000 | 15,023,000 | 17,174,000 | 17,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 4,985,000 | 7,550,000 | 10,195,000 |
| Interest expense | 1,075,000 | 2,258,000 | 3,492,000 | 4,715,000 |
| Net interest income | 1,357,000 | 2,727,000 | 4,058,000 | 5,480,000 |
| Noninterest income | 38,000 | 118,000 | 157,000 | 824,000 |
| Noninterest expense | 1,112,000 | 2,316,000 | 3,637,000 | 4,975,000 |
| Provision for loan losses | 41,000 | 65,000 | 88,000 | 108,000 |
| Pretax income | 242,000 | 464,000 | 490,000 | 1,221,000 |
| Income tax | 92,000 | 176,000 | 186,000 | 465,000 |
| Net income | 150,000 | 288,000 | 304,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,223,000 | 14,478,000 | 17,182,000 | 17,970,000 |
| Total capital | 14,261,000 | 15,540,000 | 18,267,000 | 19,075,000 |
| Risk-weighted assets | 125,889,000 | 132,074,000 | 128,720,000 | 130,635,000 |
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