Call reports 2013
ENTERPRISE BANK N.J. — 2013
What ENTERPRISE BANK N.J. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 132,553,000 | 130,159,000 | 138,973,000 | 139,381,000 |
| Total loans | 103,871,000 | 111,123,000 | 118,032,000 | 124,899,000 |
| Allowance for loan losses | 1,314,000 | 1,269,000 | 1,374,000 | 1,489,000 |
| Securities available for sale | 8,478,000 | 7,352,000 | 6,843,000 | 6,434,000 |
| Securities held to maturity | 2,015,000 | 1,876,000 | 1,735,000 | 1,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,150,000 | 106,386,000 | 112,005,000 | 109,194,000 |
| Interest-bearing deposits | 98,532,000 | 96,155,000 | 100,516,000 | 96,312,000 |
| Noninterest-bearing deposits | 10,618,000 | 10,231,000 | 11,489,000 | 12,882,000 |
| Equity capital | 19,093,000 | 19,254,000 | 19,528,000 | 19,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,074,000 | 4,726,000 | 6,413,000 |
| Interest expense | 243,000 | 483,000 | 730,000 | 984,000 |
| Net interest income | 1,279,000 | 2,591,000 | 3,996,000 | 5,429,000 |
| Noninterest income | 58,000 | 103,000 | 191,000 | 224,000 |
| Noninterest expense | 1,009,000 | 2,010,000 | 2,997,000 | 4,028,000 |
| Provision for loan losses | 41,000 | 137,000 | 242,000 | 272,000 |
| Pretax income | 287,000 | 547,000 | 948,000 | 1,353,000 |
| Income tax | 126,000 | 243,000 | 414,000 | 572,000 |
| Net income | 161,000 | 304,000 | 534,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,721,000 | 18,896,000 | 19,265,000 | 19,670,000 |
| Total capital | 20,054,000 | 20,184,000 | 20,658,000 | 21,186,000 |
| Risk-weighted assets | 107,263,000 | 112,830,000 | 120,861,000 | 126,961,000 |