Call reports 2004
ENTERPRISE BANK — 2004
What ENTERPRISE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,848,000 | 102,131,000 | 110,593,000 | 116,672,000 |
| Total loans | 80,759,000 | 84,816,000 | 91,792,000 | 93,901,000 |
| Allowance for loan losses | 866,000 | 970,000 | 630,000 | 484,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,220,000 | 93,251,000 | 101,446,000 | 105,938,000 |
| Interest-bearing deposits | 74,340,000 | 76,411,000 | 86,260,000 | 85,276,000 |
| Noninterest-bearing deposits | 15,880,000 | 16,840,000 | 15,186,000 | 20,662,000 |
| Equity capital | 6,381,000 | 6,510,000 | 6,597,000 | 7,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,724,000 | 4,259,000 | 5,933,000 |
| Interest expense | 514,000 | 1,057,000 | 1,660,000 | 2,301,000 |
| Net interest income | 818,000 | 1,667,000 | 2,599,000 | 3,632,000 |
| Noninterest income | 121,000 | 326,000 | 452,000 | 539,000 |
| Noninterest expense | 800,000 | 1,576,000 | 2,437,000 | 3,299,000 |
| Provision for loan losses | 27,000 | 113,000 | 171,000 | 280,000 |
| Pretax income | 112,000 | 304,000 | 443,000 | 592,000 |
| Income tax | 45,000 | 106,000 | 159,000 | 216,000 |
| Net income | 67,000 | 198,000 | 284,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,377,000 | 6,510,000 | 6,597,000 | 7,144,000 |
| Total capital | 7,243,000 | 7,480,000 | 7,227,000 | 7,628,000 |
| Risk-weighted assets | 78,646,000 | 79,488,000 | 85,491,000 | 88,561,000 |