Call reports 2012
ENTERPRISE BANK N.J. — 2012
What ENTERPRISE BANK N.J. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,583,000 | 133,336,000 | 128,327,000 | 134,169,000 |
| Total loans | 100,605,000 | 99,637,000 | 101,854,000 | 102,847,000 |
| Allowance for loan losses | 1,564,000 | 1,306,000 | 1,262,000 | 1,273,000 |
| Securities available for sale | 13,200,000 | 12,267,000 | 10,244,000 | 9,171,000 |
| Securities held to maturity | 3,137,000 | 2,715,000 | 2,465,000 | 2,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,605,000 | 110,536,000 | 105,239,000 | 110,966,000 |
| Interest-bearing deposits | 100,936,000 | 98,588,000 | 93,511,000 | 93,653,000 |
| Noninterest-bearing deposits | 9,669,000 | 11,948,000 | 11,728,000 | 17,313,000 |
| Equity capital | 18,245,000 | 18,491,000 | 18,771,000 | 18,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,582,000 | 3,130,000 | 4,698,000 | 6,252,000 |
| Interest expense | 336,000 | 646,000 | 908,000 | 1,160,000 |
| Net interest income | 1,246,000 | 2,484,000 | 3,790,000 | 5,092,000 |
| Noninterest income | 34,000 | 145,000 | 225,000 | 246,000 |
| Noninterest expense | 989,000 | 1,960,000 | 2,924,000 | 3,966,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 121,000 |
| Pretax income | 228,000 | 606,000 | 1,028,000 | 1,263,000 |
| Income tax | 108,000 | 264,000 | 450,000 | 565,000 |
| Net income | 120,000 | 342,000 | 578,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,548,000 | 17,535,000 | 17,846,000 | 18,583,000 |
| Total capital | 18,854,000 | 18,827,000 | 19,127,000 | 19,875,000 |
| Risk-weighted assets | 104,254,000 | 103,305,000 | 106,171,000 | 106,347,000 |