Enterprise Bank & Trust

Enterprise Bank & Trust is headquartered in Clayton and is the 7^th largest bank in the state of Missouri. It is also the 226^th largest bank in the nation. It was established in 1988 and as of September of 2011, it had grown to 441 employees at 22 locations. Enterprise Bank & Trust has a 3-star health rating.

Data for Q3 2011

Institution Statistics Enterprise Bank & Trust FDIC Certificate # 27237 BankRate Report View Year Established 1988 Employees 441 Primary Regulator FDIC Assets and Liabilities Assets $3.36 billion Loans $2.17 billion Deposits $2.84 billion Equity Capital $284.98 million Loan Loss Allowance $42.88 million Unbacked Noncurrent Loans $35.70 million Real Estate Owned $78.03 million Historic Data - September 2010 Assets $2.49 billion Equity Capital $224.62 million Loan Loss Allowance $47.00 million Unbacked Noncurrent Loans $47.50 million Real Estate Owned $35.10 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 1.34% Return on Equity 15.66% Interest Income $114.13 million

Institution Health Overall Score: 3 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 September 30, 2011 Enterprise Bank & Trust had $113.73 million in non-current loans and owned real-estate with $327.86 million in equity and loan loss allowances on hand to cover it. This gives Enterprise Bank & Trust a Texas Ratio of 34.69% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Enterprise Bank & Trust held steady from 30.41% as of September 30, 2010 to 34.69% as of September 30, 2011, resulting in a negative change of 14.06%. This indicates that the balance sheet and financial strength for Enterprise Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Enterprise Bank & Trust has increased its total deposits by $778.41 million, resulting in 37.83% 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 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. Enterprise Bank & Trust has $3.36 billion in assets with $327.86 million in equity, resulting in a capitalization level of 9.76%, which is average.

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