Call reports 2007
ENTERPRISE BANK N.J. — 2007
What ENTERPRISE BANK N.J. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,159,000 | 72,444,000 | 73,441,000 | 83,894,000 |
| Total loans | 46,832,000 | 48,559,000 | 48,604,000 | 55,050,000 |
| Allowance for loan losses | 580,000 | 580,000 | 580,000 | 580,000 |
| Securities available for sale | 13,717,000 | 13,257,000 | 12,832,000 | 13,786,000 |
| Securities held to maturity | 8,866,000 | 8,025,000 | 7,262,000 | 6,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,632,000 | 57,030,000 | 55,355,000 | 65,594,000 |
| Interest-bearing deposits | 52,931,000 | 51,722,000 | 49,106,000 | 59,990,000 |
| Noninterest-bearing deposits | 4,701,000 | 5,308,000 | 6,248,000 | 5,604,000 |
| Equity capital | 11,391,000 | 11,134,000 | 11,174,000 | 11,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,368,000 | 3,612,000 | 4,938,000 |
| Interest expense | 638,000 | 1,289,000 | 1,958,000 | 2,701,000 |
| Net interest income | 544,000 | 1,079,000 | 1,654,000 | 2,237,000 |
| Noninterest income | 13,000 | 26,000 | 79,000 | 190,000 |
| Noninterest expense | 709,000 | 1,420,000 | 2,155,000 | 2,876,000 |
| Provision for loan losses | 11,000 | 11,000 | 11,000 | 11,000 |
| Pretax income | -163,000 | -326,000 | -433,000 | -460,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -163,000 | -326,000 | -433,000 | -460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,384,000 | 11,267,000 | 11,204,000 | 11,214,000 |
| Total capital | 11,966,000 | 11,849,000 | 11,786,000 | 11,796,000 |
| Risk-weighted assets | 52,165,000 | 54,039,000 | 54,215,000 | 61,895,000 |
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