The Enloe State Bank in Enloe

The Enloe State Bank in Enloe is headquartered in Cooper and is the 583^rd largest bank in the state of Texas. It is also the 7,073^rd largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 7 employees at 1 location. The Enloe State Bank in Enloe has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Enloe State Bank in Enloe FDIC Certificate # 10716 BankRate Report View Year Established 1928 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $25.07 million Loans $17.50 million Deposits $22.07 million Equity Capital $2.90 million Loan Loss Allowance $295,000 Unbacked Noncurrent Loans $624,000 Real Estate Owned $212,000 Historic Data - March 2011 Assets $24.82 million Equity Capital $2.71 million Loan Loss Allowance $292,000 Unbacked Noncurrent Loans $254,000 Real Estate Owned $87,000 Profit Margin - Quarterly Net Interest Margin 5.07% Return on Assets 0.93% Return on Equity 8.07% Interest Income $329,000

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 March 31, 2012 The Enloe State Bank in Enloe had $836,000 in non-current loans and owned real-estate with $3.2 million in equity and loan loss allowances on hand to cover it. This gives The Enloe State Bank in Enloe a Texas Ratio of 26.14% 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 The Enloe State Bank in Enloe increased slightly from 11.36% as of March 31, 2011 to 26.14% as of March 31, 2012, resulting in a negative change of 130.14%. This indicates that the balance sheet and financial strength for The Enloe State Bank in Enloe has declined slightly in recent periods. Deposit Growth In the past year, The Enloe State Bank in Enloe has increased its total deposits by $35,000, resulting in 0.16% 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 The Enloe State Bank in Enloe has shown is average. 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. The Enloe State Bank in Enloe has $25.07 million in assets with $3.2 million in equity, resulting in a capitalization level of 12.76%, which is excellent.

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