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Overview / Commentary
150 North Meramec
Clayton, MO 63105

Enterprise Bank & Trust is headquartered in Clayton and is the 8th largest bank in the state of Missouri. It is also the 248th largest bank in the nation. It was established in 1988 and as of December of 2013, it had grown to 455 employees at 16 locations. Enterprise Bank & Trust has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 December 31, 2013 Enterprise Bank & Trust had $47.55 million in non-current loans and owned real-estate with $361.45 million in equity and loan loss allowances on hand to cover it. This gives Enterprise Bank & Trust a Texas Ratio of 13.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Enterprise Bank & Trust decreased dramatically from 21.54% as of December 31, 2012 to 13.15% as of December 31, 2013, resulting in a positive change of 38.93%.This indicates that the balance sheet and financial strength for Enterprise Bank & Trust has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Enterprise Bank & Trust has decreased its total deposits by -$115.67 million, resulting in -4.34% 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 Enterprise Bank & Trust has shown is below average.

Capitalization

GRADE:
A

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. Enterprise Bank & Trust has $3.15 billion in assets with $361.45 million in equity, resulting in a capitalization level of 11.47%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #27237
Year Established1988
Employees455
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.15 billion
Loans$2.24 billion
Deposits$2.55 billion
Equity Capital$318.72 million
Loan Loss Allowance$42.73 million
Unbacked Noncurrent Loans$39.97 million
Real Estate Owned$7.58 million
Historic Data - December 2012
Assets$3.31 billion
Equity Capital$303.04 million
Loan Loss Allowance$45.88 million
Unbacked Noncurrent Loans$39.97 million
Real Estate Owned$9.77 million
Profit Margin - Quarterly
Net Interest Margin4.88%
Return on Assets1.2%
Return on Equity12%
Interest Income$152.52 million
Rates

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Locations

Enterprise Bank & Trust has 19 locations. Click to view all Enterprise Bank & Trust locations.