Enterprise Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Enterprise Bank - Overview

  • General
  • FDIC Certificate #: 3326
    Status: Active
    Federal Reserve ID: 365455
    Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Bancshares, Inc. (RSSDID: 1134881, Location: Houston, TX)
    Date Established: January 07, 1905
    WWW: http://www.mybank-enterprise.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    FDIC's unique #: 2152
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 30, 2007
    Last Structure Change Process Date: April 06, 2007
    Last Data Update: April 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 7125 Gulf Freeway, Houston, TX 77087
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $534.1 mil
    Equity capital: $66.0 mil
    Deposits held in domestic offices: $465.8 mil
    Return on assets (ROA): 0.32% ($1.7 mil)
    Quarterly return on assets: 0.20% ($1.1 mil)
    Return on Equity (ROE): 2.63% ($1.7 mil)
    Quarterly return on equity: 1.61% ($1.1 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.49% ($2,617.3 mil)
    Quarterly Pretax return on assets: 0.30% ($1,602.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 100Total employees (full-time equivalent)
  • $534,144Total assets
  • $98,403Cash and due from depository institutions
  • $89,109Interest-bearing balances
  • $19,641Securities
  • $9,020Federal funds sold & reverse repurchase agreements
  • $364,621Net loans & leases
  • $7,503Loan loss allowance
  • $0Trading account assets
  • $7,152Bank premises and fixed assets
  • $8,472Other real estate owned
  • $19,205Goodwill and other intangibles
  • $534,144Life insurance assets
  • $7,630All other assets
  • $468,095Total liabilities and capital
  • $465,752Total liabilities
  • $323,617Total deposits
  • $465,752Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,343Subordinated debt
  • $66,049All other liabilities
  • $66,049Total equity capital
  • $66,049Total bank equity capital
  • $0Perpetual preferred stock
  • $246Common stock
  • $51,695Surplus
  • $14,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,320Income earned, not collected on loans
  • $253Earning assets
  • $1,741Long-term assets (5+ years)
  • $482,391Average Assets, year-to-date
  • $31,025Average Assets, quarterly
  • $532,228Volatile liabilities
  • $530,794Insider loans
  • $374,027FHLB advances
  • $523,092Loans and leases held for sale
  • $189Unused loan commitments
  • $189Tier 1 (core) risk-based capital
  • $46,534Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $47,179Restructured Loans and leases
  • $3,346Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,967Total interest income
  • $3,826Total interest expense
  • $22,141Net interest income
  • $3,550Provision for loan and lease losses
  • -$1,408Total noninterest income
  • $0Fiduciary activities
  • $778Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$2,186Additional noninterest income
  • $14,580Total noninterest expense
  • $8,562Salaries and employee benefits
  • $1,042Premises and equipment expense
  • $4,976Additional noninterest expense
  • $2,603Pre-tax net operating income
  • $0Securities gains (losses)
  • $885Applicable income taxes
  • $1,718Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,718Net income attributable to bank
  • $0Net charge-offs
  • $1,718Cash dividends
  • $2,181Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.63%Net interest margin
  • -0.29%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 2.63%Return on equity (ROE)
  • 2.63%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 162.77%Credit loss provision to net charge-offs
  • 2.82%Efficiency ratio
  • 70,323Assets per employee
  • 5.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 141.03%Noncurrent assets plus other real estate owned to assets
  • 2.58%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 78.29%Net loans and leases to core deposits
  • 84.34%Equity capital to assets
  • 12.37%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $532,228Average earning assets
  • $65,341Average equity
  • $478,642Average loans

List of branches

  • 9 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02152Enterprise Bank7125 Gulf Freeway, Houston, TX 77087January 07, 1905Full Service Brick and Mortar
    1196356Mart Branch714 East Texas Avenue, Mart, TX 76664March 02, 1998Full Service Brick and Mortar
    2196357Rosebud Branch339 Main Street, Rosebud, TX 76570October 01, 1995Full Service Brick and Mortar
    3358026North Loop Branch1405 North Loop West, Houston, TX 77008March 22, 2001Full Service Brick and Mortar
    4441482Eldridge Office Branch2401 Eldridge Parkway, S, Houston, TX 77077July 08, 2004Full Service Retail
    5441483Greenway Office Branch2211 Norfolk, Houston, TX 77098September 07, 2004Full Service Brick and Mortar
    617348Brookshire Branch550 Fm 1489, Brookshire, TX 77423March 15, 1984Full Service Brick and Mortar
    7257833Katy Branch722 Pin Oak, Katy, TX 77494March 10, 1994Full Service Brick and Mortar
    8257834Galleria Branch1433 West Loop South, Suite 100, Houston, TX 77027July 18, 1997Full Service Brick and Mortar

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