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 | 160,990,000 | 162,073,000 | 170,564,000 | 185,112,000 |
| Total loans | 141,766,000 | 144,459,000 | 151,585,000 | 156,450,000 |
| Allowance for loan losses | 957,000 | 977,000 | 1,777,000 | 1,547,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,629,000 | 147,419,000 | 149,921,000 | 169,867,000 |
| Interest-bearing deposits | 130,239,000 | 130,008,000 | 132,061,000 | 148,467,000 |
| Noninterest-bearing deposits | 15,391,000 | 17,410,000 | 17,860,000 | 21,400,000 |
| Equity capital | 12,065,000 | 12,257,000 | 12,546,000 | 12,991,000 |
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 | 2,770,000 | 5,370,000 | 8,071,000 | 10,751,000 |
| Interest expense | 1,381,000 | 2,630,000 | 3,849,000 | 5,129,000 |
| Net interest income | 1,389,000 | 2,740,000 | 4,222,000 | 5,622,000 |
| Noninterest income | 264,000 | 537,000 | 919,000 | 1,223,000 |
| Noninterest expense | 1,213,000 | 2,454,000 | 3,835,000 | 5,216,000 |
| Provision for loan losses | 99,000 | 195,000 | 988,000 | 1,084,000 |
| Pretax income | 341,000 | 628,000 | 318,000 | 545,000 |
| Income tax | 125,000 | 235,000 | 157,000 | 244,000 |
| Net income | 216,000 | 393,000 | 161,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,961,000 | 12,153,000 | 12,442,000 | 12,887,000 |
| Total capital | 12,918,000 | 13,130,000 | 14,128,000 | 14,434,000 |
| Risk-weighted assets | 126,198,000 | 130,087,000 | 134,735,000 | 143,710,000 |