Call reports 2015
ENTERPRISE BANK N.J. — 2015
What ENTERPRISE BANK N.J. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 169,873,000 | 179,100,000 | 183,930,000 | 192,808,000 |
| Total loans | 152,424,000 | 161,045,000 | 171,536,000 | 178,705,000 |
| Allowance for loan losses | 1,781,000 | 1,870,000 | 1,965,000 | 2,081,000 |
| Securities available for sale | 5,171,000 | 4,906,000 | 4,630,000 | 4,276,000 |
| Securities held to maturity | 1,434,000 | 1,385,000 | 1,323,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,262,000 | 139,048,000 | 145,175,000 | 151,733,000 |
| Interest-bearing deposits | 112,290,000 | 119,026,000 | 125,227,000 | 129,477,000 |
| Noninterest-bearing deposits | 18,972,000 | 20,022,000 | 19,948,000 | 22,256,000 |
| Equity capital | 21,767,000 | 22,205,000 | 22,674,000 | 25,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 4,019,000 | 6,173,000 | 8,479,000 |
| Interest expense | 267,000 | 559,000 | 877,000 | 1,229,000 |
| Net interest income | 1,686,000 | 3,460,000 | 5,296,000 | 7,250,000 |
| Noninterest income | 0 | 43,000 | 133,000 | 186,000 |
| Noninterest expense | 1,090,000 | 2,130,000 | 3,228,000 | 4,406,000 |
| Provision for loan losses | 62,000 | 152,000 | 246,000 | 362,000 |
| Pretax income | 534,000 | 1,221,000 | 1,955,000 | 2,668,000 |
| Income tax | 218,000 | 497,000 | 794,000 | 1,084,000 |
| Net income | 316,000 | 724,000 | 1,161,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,627,000 | 22,077,000 | 22,556,000 | 25,025,000 |
| Total capital | 23,424,000 | 23,984,000 | 24,559,000 | 27,139,000 |
| Risk-weighted assets | 143,921,000 | 155,225,000 | 165,732,000 | 171,739,000 |