Call reports 2008
ENTERPRISE BANK N.J. — 2008
What ENTERPRISE BANK N.J. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 87,243,000 | 92,539,000 | 99,501,000 | 97,289,000 |
| Total loans | 63,979,000 | 73,500,000 | 79,794,000 | 77,849,000 |
| Allowance for loan losses | 615,000 | 725,000 | 952,000 | 967,000 |
| Securities available for sale | 12,714,000 | 11,398,000 | 11,590,000 | 11,273,000 |
| Securities held to maturity | 5,988,000 | 5,372,000 | 4,872,000 | 4,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,858,000 | 65,662,000 | 76,417,000 | 74,010,000 |
| Interest-bearing deposits | 60,042,000 | 58,577,000 | 67,993,000 | 67,779,000 |
| Noninterest-bearing deposits | 6,816,000 | 7,085,000 | 8,423,000 | 6,231,000 |
| Equity capital | 11,294,000 | 11,115,000 | 11,133,000 | 11,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,827,000 | 4,404,000 | 5,950,000 |
| Interest expense | 728,000 | 1,316,000 | 1,995,000 | 2,658,000 |
| Net interest income | 663,000 | 1,511,000 | 2,409,000 | 3,292,000 |
| Noninterest income | 20,000 | 41,000 | 96,000 | 116,000 |
| Noninterest expense | 768,000 | 1,571,000 | 2,403,000 | 3,167,000 |
| Provision for loan losses | 35,000 | 145,000 | 372,000 | 387,000 |
| Pretax income | -120,000 | -164,000 | -270,000 | -141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -120,000 | -164,000 | -270,000 | -141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,131,000 | 11,127,000 | 11,061,000 | 11,235,000 |
| Total capital | 11,748,000 | 11,854,000 | 12,013,000 | 12,204,000 |
| Risk-weighted assets | 70,185,000 | 77,227,000 | 83,272,000 | 81,570,000 |
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