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 227^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 451 employees at 21 locations. Enterprise Bank & Trust has a 4-star health rating.

Data for Q1 2012

Institution Statistics Enterprise Bank & Trust FDIC Certificate # 27237 BankRate Report View Year Established 1988 Employees 451 Primary Regulator FDIC Assets and Liabilities Assets $3.23 billion Loans $2.15 billion Deposits $2.72 billion Equity Capital $289.42 million Loan Loss Allowance $40.61 million Unbacked Noncurrent Loans $33.96 million Real Estate Owned $20.07 million Historic Data - March 2011 Assets $2.91 billion Equity Capital $232.33 million Loan Loss Allowance $42.82 million Unbacked Noncurrent Loans $33.78 million Real Estate Owned $28.85 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.94% Return on Equity 10.94% Interest Income $37.11 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 Enterprise Bank & Trust had $54.03 million in non-current loans and owned real-estate with $330.03 million in equity and loan loss allowances on hand to cover it. This gives Enterprise Bank & Trust a Texas Ratio of 16.37% 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 Enterprise Bank & Trust decreased slightly from 22.76% as of March 31, 2011 to 16.37% as of March 31, 2012, resulting in a positive change of 28.09%.This indicates that the balance sheet and financial strength for Enterprise Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Enterprise Bank & Trust has increased its total deposits by $278.15 million, resulting in 11.38% 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 $3.23 billion in assets with $330.03 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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