Call reports 2003
ENTERPRISE BANK — 2003
What ENTERPRISE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 64,998,000 | 64,932,000 | 66,203,000 | 110,037,000 |
| Total loans | 48,340,000 | 48,493,000 | 45,622,000 | 81,280,000 |
| Allowance for loan losses | 663,000 | 640,000 | 673,000 | 992,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,500,000 | 2,000,000 | 3,000,000 | 9,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,578,000 | 59,433,000 | 60,533,000 | 92,853,000 |
| Interest-bearing deposits | 49,372,000 | 49,152,000 | 50,017,000 | 71,957,000 |
| Noninterest-bearing deposits | 10,206,000 | 10,281,000 | 10,516,000 | 20,896,000 |
| Equity capital | 5,187,000 | 5,363,000 | 5,533,000 | 16,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,003,000 | 2,955,000 | 4,270,000 |
| Interest expense | 307,000 | 558,000 | 777,000 | 1,039,000 |
| Net interest income | 691,000 | 1,445,000 | 2,178,000 | 3,231,000 |
| Noninterest income | 96,000 | 215,000 | 317,000 | 427,000 |
| Noninterest expense | 540,000 | 1,089,000 | 1,640,000 | 2,775,000 |
| Provision for loan losses | 15,000 | 71,000 | 96,000 | 227,000 |
| Pretax income | 232,000 | 500,000 | 759,000 | 656,000 |
| Income tax | 79,000 | 171,000 | 260,000 | 202,000 |
| Net income | 153,000 | 329,000 | 499,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,187,000 | 5,363,000 | 5,533,000 | 16,596,000 |
| Total capital | 5,779,000 | 5,959,000 | 6,110,000 | 17,588,000 |
| Risk-weighted assets | 47,319,000 | 47,627,000 | 46,085,000 | 87,656,000 |
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