Ennis State Bank

Ennis State Bank is headquartered in Ennis and is the 357^th largest bank in the state of Texas. It is also the 4,507^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 51 employees at 2 locations. Ennis State Bank has a 4-star health rating.

Ennis State Bank Routing Number: 111920312

Data for Q1 2012

Institution Statistics Ennis State Bank FDIC Certificate # 13000 BankRate Report View Year Established 1933 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $118.03 million Loans $90.68 million Deposits $92.10 million Equity Capital $12.48 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $3.57 million Real Estate Owned $523,000 Historic Data - March 2011 Assets $109.91 million Equity Capital $12.01 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $2.98 million Real Estate Owned $348,000 Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 0.91% Return on Equity 8.7% Interest Income $1.49 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, 2012 Ennis State Bank had $4.1 million in non-current loans and owned real-estate with $13.95 million in equity and loan loss allowances on hand to cover it. This gives Ennis State Bank a Texas Ratio of 29.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ennis State Bank held steady from 25.49% as of March 31, 2011 to 29.36% as of March 31, 2012, resulting in a negative change of 15.15%. This indicates that the balance sheet and financial strength for Ennis State Bank has held steady in recent periods. Deposit Growth In the past year, Ennis State Bank has increased its total deposits by $6.38 million, resulting in 7.44% 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 Ennis State 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. Ennis State Bank has $118.03 million in assets with $13.95 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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