Call reports 2016
ENTERPRISE BANK N.J. — 2016
What ENTERPRISE BANK N.J. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 202,784,000 | 200,776,000 | 207,319,000 | 209,907,000 |
| Total loans | 186,046,000 | 184,514,000 | 191,425,000 | 188,388,000 |
| Allowance for loan losses | 2,154,000 | 2,216,000 | 2,314,000 | 2,322,000 |
| Securities available for sale | 4,046,000 | 3,856,000 | 3,538,000 | 3,334,000 |
| Securities held to maturity | 734,000 | 696,000 | 644,000 | 610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,177,000 | 158,368,000 | 158,268,000 | 163,985,000 |
| Interest-bearing deposits | 140,629,000 | 139,161,000 | 137,674,000 | 142,004,000 |
| Noninterest-bearing deposits | 22,548,000 | 19,207,000 | 20,594,000 | 21,981,000 |
| Equity capital | 25,616,000 | 26,119,000 | 26,976,000 | 27,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,293,000 | 4,683,000 | 7,055,000 | 9,507,000 |
| Interest expense | 392,000 | 787,000 | 1,191,000 | 1,593,000 |
| Net interest income | 1,901,000 | 3,896,000 | 5,864,000 | 7,914,000 |
| Noninterest income | 74,000 | 121,000 | 177,000 | 246,000 |
| Noninterest expense | 1,133,000 | 2,330,000 | 3,493,000 | 4,683,000 |
| Provision for loan losses | 73,000 | 135,000 | 233,000 | 241,000 |
| Pretax income | 769,000 | 1,552,000 | 2,315,000 | 3,236,000 |
| Income tax | 311,000 | 626,000 | 935,000 | 1,307,000 |
| Net income | 458,000 | 926,000 | 1,380,000 | 1,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,521,000 | 26,028,000 | 26,895,000 | 27,481,000 |
| Total capital | 27,707,000 | 28,231,000 | 29,194,000 | 29,758,000 |
| Risk-weighted assets | 176,820,000 | 176,187,000 | 183,844,000 | 182,011,000 |