Call reports 2005
ENTERPRISE BANK — 2005
What ENTERPRISE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 138,534,000 | 141,514,000 | 143,036,000 | 141,281,000 |
| Total loans | 112,154,000 | 115,158,000 | 119,184,000 | 119,886,000 |
| Allowance for loan losses | 1,573,000 | 1,570,000 | 1,569,000 | 1,532,000 |
| Securities available for sale | 20,335,000 | 16,518,000 | 15,911,000 | 14,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,194,000 | 114,333,000 | 108,528,000 | 115,631,000 |
| Interest-bearing deposits | 91,494,000 | 101,935,000 | 95,840,000 | 103,160,000 |
| Noninterest-bearing deposits | 11,700,000 | 12,398,000 | 12,688,000 | 12,471,000 |
| Equity capital | 10,200,000 | 10,505,000 | 10,849,000 | 10,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,528,000 | 5,425,000 | 7,420,000 |
| Interest expense | 513,000 | 1,137,000 | 1,847,000 | 2,669,000 |
| Net interest income | 1,165,000 | 2,391,000 | 3,578,000 | 4,751,000 |
| Noninterest income | 135,000 | 312,000 | 494,000 | 644,000 |
| Noninterest expense | 775,000 | 1,602,000 | 2,395,000 | 3,356,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 500,000 | 1,081,000 | 1,657,000 | 2,019,000 |
| Income tax | 178,000 | 384,000 | 588,000 | 743,000 |
| Net income | 322,000 | 697,000 | 1,069,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,431,000 | 10,665,000 | 11,037,000 | 10,920,000 |
| Total capital | 11,852,000 | 12,119,000 | 12,538,000 | 12,431,000 |
| Risk-weighted assets | 113,560,000 | 116,210,000 | 120,048,000 | 120,868,000 |