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 | 114,799,000 | 124,235,000 | 124,450,000 | 120,565,000 |
| Total loans | 96,776,000 | 98,894,000 | 97,226,000 | 101,096,000 |
| Allowance for loan losses | 611,000 | 705,000 | 685,000 | 753,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,095,000 | 114,075,000 | 114,144,000 | 109,919,000 |
| Interest-bearing deposits | 89,328,000 | 99,702,000 | 96,833,000 | 93,832,000 |
| Noninterest-bearing deposits | 15,767,000 | 14,373,000 | 17,311,000 | 16,087,000 |
| Equity capital | 7,276,000 | 7,482,000 | 7,553,000 | 7,694,000 |
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 | 1,748,000 | 3,613,000 | 5,598,000 | 7,587,000 |
| Interest expense | 675,000 | 1,471,000 | 2,323,000 | 3,216,000 |
| Net interest income | 1,073,000 | 2,142,000 | 3,275,000 | 4,371,000 |
| Noninterest income | 178,000 | 398,000 | 602,000 | 804,000 |
| Noninterest expense | 908,000 | 1,760,000 | 2,691,000 | 3,674,000 |
| Provision for loan losses | 130,000 | 242,000 | 532,000 | 620,000 |
| Pretax income | 213,000 | 538,000 | 654,000 | 881,000 |
| Income tax | 81,000 | 200,000 | 245,000 | 331,000 |
| Net income | 132,000 | 338,000 | 409,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,276,000 | 7,482,000 | 7,553,000 | 7,694,000 |
| Total capital | 7,887,000 | 8,187,000 | 8,238,000 | 8,447,000 |
| Risk-weighted assets | 89,070,000 | 92,842,000 | 92,116,000 | 93,167,000 |