Enterprise Bank in Allison Park, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Enterprise Bank - Overview

  • General
  • FDIC Certificate #: 34786
    Status: Active
    Federal Reserve ID: 2730431
    Bank Holding Company (Regulatory Top Holder): Enterprise Employee Stock Ownership Plan (RSSDID: 3386246, Location: Allison Park, PA)
    Date Established: October 23, 1998
    WWW: http://www.enterprisebankpgh.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 61560
    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: October 23, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4091 Mount Royal Boulvard, Allison Park, PA 15101
    County: Allegheny
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $248.2 mil
    Equity capital: $20.8 mil
    Deposits held in domestic offices: $222.7 mil
    Return on assets (ROA): 0.76% ($1.9 mil)
    Quarterly return on assets: 0.71% ($1.8 mil)
    Return on Equity (ROE): 9.00% ($1.9 mil)
    Quarterly return on equity: 8.40% ($1.8 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.15% ($2,853.8 mil)
    Quarterly Pretax return on assets: 1.10% ($2,729.8 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
  • 57Total employees (full-time equivalent)
  • $248,160Total assets
  • $30,286Cash and due from depository institutions
  • $29,614Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $202,065Net loans & leases
  • $2,348Loan loss allowance
  • $0Trading account assets
  • $4,405Bank premises and fixed assets
  • $4,865Other real estate owned
  • $104Goodwill and other intangibles
  • $248,160Life insurance assets
  • $6,435All other assets
  • $227,397Total liabilities and capital
  • $222,726Total liabilities
  • $196,008Total deposits
  • $222,726Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,671Subordinated debt
  • $20,763All other liabilities
  • $20,763Total equity capital
  • $20,763Total bank equity capital
  • $0Perpetual preferred stock
  • $534Common stock
  • $15,343Surplus
  • $4,886Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,371Income earned, not collected on loans
  • $3,209Earning assets
  • $965Long-term assets (5+ years)
  • $231,679Average Assets, year-to-date
  • $653Average Assets, quarterly
  • $233,122Volatile liabilities
  • $243,769Insider loans
  • $180,196FHLB advances
  • $236,193Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,659Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,588Restructured Loans and leases
  • $3,471Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,586Total interest income
  • $3,338Total interest expense
  • $9,248Net interest income
  • $577Provision for loan and lease losses
  • $1,705Total noninterest income
  • $0Fiduciary activities
  • $197Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,508Additional noninterest income
  • $7,684Total noninterest expense
  • $4,118Salaries and employee benefits
  • $636Premises and equipment expense
  • $2,930Additional noninterest expense
  • $2,692Pre-tax net operating income
  • $0Securities gains (losses)
  • $929Applicable income taxes
  • $1,763Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,763Net income attributable to bank
  • $0Net charge-offs
  • $1,763Cash dividends
  • $214Sale, conversion, retirement of capital stock, net
  • $447Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.77%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 9.00%Return on equity (ROE)
  • 6.72%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 269.63%Credit loss provision to net charge-offs
  • 15.28%Efficiency ratio
  • 70,154Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.35%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 43.72%Noncurrent assets plus other real estate owned to assets
  • 4.12%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 90.72%Net loans and leases to core deposits
  • 186.14%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $233,122Average earning assets
  • $19,592Average equity
  • $218,163Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061560Enterprise Bank4091 Mount Royal Boulvard, Allison Park, PA 15101October 23, 1998Full Service Brick and Mortar
    1290806Mobile Branch4091 Mount Royal Boulevard, Allison Park, PA 15101November 01, 1999Limited Service Mobile

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