Call reports 2014
ENTERPRISE BANK N.J. — 2014
What ENTERPRISE BANK N.J. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 146,018,000 | 155,353,000 | 162,265,000 | 157,844,000 |
| Total loans | 133,079,000 | 141,609,000 | 144,734,000 | 145,069,000 |
| Allowance for loan losses | 1,537,000 | 1,598,000 | 1,655,000 | 1,719,000 |
| Securities available for sale | 6,162,000 | 5,906,000 | 5,645,000 | 5,359,000 |
| Securities held to maturity | 1,264,000 | 1,122,000 | 1,546,000 | 1,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,710,000 | 118,789,000 | 124,095,000 | 121,359,000 |
| Interest-bearing deposits | 97,223,000 | 105,855,000 | 104,638,000 | 104,231,000 |
| Noninterest-bearing deposits | 11,487,000 | 12,934,000 | 19,457,000 | 17,128,000 |
| Equity capital | 20,160,000 | 20,548,000 | 21,022,000 | 21,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,599,000 | 5,601,000 | 7,588,000 |
| Interest expense | 253,000 | 522,000 | 808,000 | 1,088,000 |
| Net interest income | 1,475,000 | 3,077,000 | 4,793,000 | 6,500,000 |
| Noninterest income | 69,000 | 82,000 | 122,000 | 116,000 |
| Noninterest expense | 985,000 | 1,980,000 | 2,953,000 | 3,998,000 |
| Provision for loan losses | 48,000 | 109,000 | 168,000 | 232,000 |
| Pretax income | 511,000 | 1,070,000 | 1,794,000 | 2,386,000 |
| Income tax | 220,000 | 442,000 | 739,000 | 979,000 |
| Net income | 291,000 | 628,000 | 1,055,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,007,000 | 20,391,000 | 20,872,000 | 21,269,000 |
| Total capital | 21,571,000 | 22,016,000 | 22,554,000 | 22,959,000 |
| Risk-weighted assets | 133,231,000 | 141,099,000 | 134,541,000 | 135,135,000 |
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