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 | 85,997,000 | 87,745,000 | 89,759,000 | 90,372,000 |
| Total loans | 71,288,000 | 67,545,000 | 69,094,000 | 71,931,000 |
| Allowance for loan losses | 1,287,000 | 964,000 | 824,000 | 854,000 |
| Securities available for sale | 6,022,000 | 8,526,000 | 306,000 | 307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,557,000 | 78,179,000 | 80,152,000 | 81,781,000 |
| Interest-bearing deposits | 64,262,000 | 63,445,000 | 63,970,000 | 67,594,000 |
| Noninterest-bearing deposits | 12,295,000 | 14,734,000 | 16,182,000 | 14,187,000 |
| Equity capital | 6,133,000 | 6,259,000 | 6,282,000 | 6,313,000 |
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 | 1,296,000 | 2,597,000 | 3,707,000 | 4,977,000 |
| Interest expense | 513,000 | 1,027,000 | 1,547,000 | 2,058,000 |
| Net interest income | 783,000 | 1,570,000 | 2,160,000 | 2,919,000 |
| Noninterest income | 79,000 | 375,000 | 513,000 | 594,000 |
| Noninterest expense | 697,000 | 1,513,000 | 2,395,000 | 3,145,000 |
| Provision for loan losses | 44,000 | 121,000 | -96,000 | -66,000 |
| Pretax income | 121,000 | 311,000 | 374,000 | 434,000 |
| Income tax | 41,000 | 105,000 | 145,000 | 174,000 |
| Net income | 80,000 | 206,000 | 229,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,981,000 | 6,171,000 | 6,204,000 | 6,263,000 |
| Total capital | 6,840,000 | 7,053,000 | 7,028,000 | 7,117,000 |
| Risk-weighted assets | 68,265,000 | 70,484,000 | 70,110,000 | 70,515,000 |