Call reports 2008
ENTERPRISE BANK — 2008
What ENTERPRISE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 174,317,000 | 174,807,000 | 163,196,000 | 164,694,000 |
| Total loans | 161,031,000 | 162,020,000 | 150,595,000 | 148,864,000 |
| Allowance for loan losses | 1,462,000 | 1,517,000 | 1,127,000 | 1,848,000 |
| Securities available for sale | 4,279,000 | 3,767,000 | 2,751,000 | 3,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,295,000 | 149,293,000 | 138,961,000 | 141,399,000 |
| Interest-bearing deposits | 138,319,000 | 131,892,000 | 121,039,000 | 123,991,000 |
| Noninterest-bearing deposits | 17,976,000 | 17,401,000 | 17,922,000 | 17,408,000 |
| Equity capital | 12,312,000 | 12,338,000 | 12,323,000 | 12,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,920,000 | 5,596,000 | 8,137,000 | 10,398,000 |
| Interest expense | 1,301,000 | 2,399,000 | 3,416,000 | 4,202,000 |
| Net interest income | 1,619,000 | 3,197,000 | 4,721,000 | 6,196,000 |
| Noninterest income | 247,000 | 544,000 | 762,000 | 918,000 |
| Noninterest expense | 1,225,000 | 2,493,000 | 3,730,000 | 4,912,000 |
| Provision for loan losses | 30,000 | 255,000 | 580,000 | 1,470,000 |
| Pretax income | 611,000 | 993,000 | 1,171,000 | 730,000 |
| Income tax | 220,000 | 362,000 | 433,000 | 294,000 |
| Net income | 391,000 | 631,000 | 738,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,284,000 | 12,328,000 | 12,315,000 | 12,014,000 |
| Total capital | 15,870,000 | 15,969,000 | 15,566,000 | 15,907,000 |
| Risk-weighted assets | 152,137,000 | 152,167,000 | 142,187,000 | 141,417,000 |