Institution Statistics
| FDIC Certificate # | 4789 | | BankRate Report | View | | Year Established | 1910 | | Employees | 439 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.40 billion | | Loans | $768.81 million | | Deposits | $1.22 billion | | Equity Capital | $121.37 million | | Loan Loss Allowance | $11.25 million | | Unbacked Noncurrent Loans | $6.85 million | | Real Estate Owned | $1.89 million |
Historic Data - March 2009 | | Assets | $1.24 billion | | Equity Capital | $111.45 million | | Loan Loss Allowance | $11.25 million | | Unbacked Noncurrent Loans | $3.46 million | | Real Estate Owned | $752,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 0.97% | | Return on Equity | 11.28% | | Interest Income | $15.03 million |
|
|
Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2010 Emprise Bank had $8.73 million in non-current loans and owned real-estate with $132.62 million in equity and loan loss allowances on hand to cover it. This gives Emprise Bank a Texas Ratio of 6.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Emprise Bank increased significantly from 3.43% as of March 31, 2009 to 6.59% as of March 31, 2010, resulting in a negative change of 91.80%. This indicates that the balance sheet and financial strength for Emprise Bank has declined significantly in recent periods. | | Deposit Growth | | | In the past year, Emprise Bank has increased it's total deposits by $154.33 million, resulting in 14.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Emprise Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Emprise Bank has $1.4 billion in assets with $132.62 million in equity, resulting in a capitalization level of 9.47%, which is below average. |
|
