Enterprise Bank & Trust in Clayton, Missouri (MO), AZ, KS
Overview, Financial Summary, Detailed Financial Reports, Branches


Enterprise Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27237
    Status: Active
    Federal Reserve ID: 1190476
    Date Established: May 09, 1988
    WWW: http://www.enterprisebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 21 (Interstate: No)
    OTS Docket #: 12507
    FDIC's unique #: 39176
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 09, 1988
    Last Structure Change Effective Date: October 21, 2011
    Last Structure Change Process Date: November 08, 2011
    Last Data Update: November 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 150 North Meramec, Clayton, MO 63105
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Office Purchased

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, 2010)

  • Dollar figures in thousands
  • 330Total employees (full-time equivalent)
  • $2,791,597Total assets
  • $292,266Cash and due from depository institutions
  • $269,673Interest-bearing balances
  • $361,546Securities
  • $3,153Federal funds sold & reverse repurchase agreements
  • $1,855,429Net loans & leases
  • $42,759Loan loss allowance
  • $61,148Trading account assets
  • $20,499Bank premises and fixed assets
  • $36,619Other real estate owned
  • $3,287Goodwill and other intangibles
  • $25,396Life insurance assets
  • $157,650All other assets
  • $2,791,597Total liabilities and capital
  • $2,562,005Total liabilities
  • $2,313,191Total deposits
  • $1,931,636Interest-bearing deposits
  • $2,313,191Deposits held in domestic offices
  • 51.98%% insured (estimated)
  • $119,333Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $107,300Other borrowed funds
  • $2,500Subordinated debt
  • $19,681All other liabilities
  • $229,592Total equity capital
  • $229,592Total bank equity capital
  • $229,533Perpetual preferred stock
  • $0Common stock
  • $4,156Surplus
  • $158,776Undivided profits
  • Memoranda
  • $66,601Noncurrent loans and leases
  • $429,610Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $59Income earned, not collected on loans
  • $38,476Earning assets
  • $0Long-term assets (5+ years)
  • $7,460Average Assets, year-to-date
  • $2,550,949Average Assets, quarterly
  • $446,504Volatile liabilities
  • $2,442,626Insider loans
  • $2,640,896FHLB advances
  • $680,221Loans and leases held for sale
  • $13,887Unused loan commitments
  • $107,300Tier 1 (core) risk-based capital
  • $424,085Tier 2 risk-based capital
  • $5,666Total risk weighted assets
  • $429,610Total unused commitments
  • $7,881Restructured Loans and leases
  • $27,799Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $119,797Total interest income
  • $27,728Total interest expense
  • $92,069Net interest income
  • $33,735Provision for loan and lease losses
  • $18,303Total noninterest income
  • $5,338Fiduciary activities
  • $4,684Service charges on deposit accounts
  • $1,906Trading account gains & fees
  • $6,375Additional noninterest income
  • $59,072Total noninterest expense
  • $27,776Salaries and employee benefits
  • $8,184Premises and equipment expense
  • $23,112Additional noninterest expense
  • $17,565Pre-tax net operating income
  • $1,987Securities gains (losses)
  • $5,744Applicable income taxes
  • $13,808Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,808Net income attributable to bank
  • $0Net charge-offs
  • $13,808Cash dividends
  • $33,970Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 6.33%Return on equity (ROE)
  • 6.33%Retained earnings to average equity (YTD only)
  • 1.84%Net charge-offs to loans
  • 99.31%Credit loss provision to net charge-offs
  • 1.51%Efficiency ratio
  • 53,140Assets per employee
  • 8.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 111.13%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 2.03%Net loans and leases to deposits
  • 80.21%Net loans and leases to core deposits
  • 102.93%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 11.31%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,442,626Average earning assets
  • $218,233Average equity
  • $2,232,162Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $812,104Managed Assets
  • 1Number of Accounts
  • $796,053Personal trust and agency accounts
  • $200,918Employee benefit-defined contribution accounts
  • $53,364Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $278,679Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $263,092Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1200Number of Accounts
  • $0Personal trust and agency accounts
  • $71,127Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16,051Other retirement accounts
  • $15,914Corporate trust and agency accounts
  • $81Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    17508323West Valley Phoenix Branch2440 North Litchfield Road, Suite 100, Goodyear, AZ 85395Febuary 16, 2010Full Service Brick and Mortar
    18510019Camelback Branch3900 E Camelback Rd, Phoenix, AZ 85018June 22, 2010Full Service Brick and Mortar
    19426590Airpark Branch15100 North 78th Way, Scottsdale, AZ 85260January 03, 2005Full Service Brick and Mortar
    20443129North Scottsdale Office20909 N. 90th Place, Suite 102, Scottsdale, AZ 85255January 31, 2005Full Service Brick and Mortar
    25442427Scottsdale Branch14201 N. 87th Street Suite 125, Scottsdale, AZ 85260April 01, 2005Limited Service Loan Production
  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    33122Overland Park Branch12695 Metcalf Avenue, Overland Park, KS 66213January 01, 1896Full Service Brick and Mortar
    213161The First National Bank Of Olathe Br444 East Santa Fe Street, Olathe, KS 66061June 07, 1887Full Service Brick and Mortar
    22204057East Branch110 North Clairborne, Olathe, KS 66061April 21, 1975Full Service Brick and Mortar
    24334389West Price Chopper Branch175 North Parker Street, Olathe, KS 66061May 15, 2000Full Service Brick and Mortar
    27493041Olathe Station Branch11970 S Blackbob Rd, Olathe, KS 66062November 04, 2008Full Service Brick and Mortar
  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039176Enterprise Bank & Trust150 North Meramec, Clayton, MO 63105May 09, 1988Full Service Brick and Mortar
    1261437St. Peters Branch300 St. Peters Centre Boulevard, St. Peters, MO 63376November 25, 1996Full Service Brick and Mortar
    2261438South Lindbergh Branch3890 South Lindbergh Boulevard, Sunset Hills, MO 63127September 02, 1997Full Service Brick and Mortar
    7362587Park Central Plaza Branch4717 Grand Avenue, Kansas City, MO 64112November 30, 2001Full Service Brick and Mortar
    8441077Enterprise Bank & Trust - St. Charle1001 First Capitol Drive, Saint Charles, MO 63301June 01, 2005Full Service Brick and Mortar
    980045Northstar Bank Branch2005 North Burlington, North Kansas City, MO 64116April 25, 2000Full Service Brick and Mortar
    12422494E. Jackson County Branch18931 E Valley View Pkwy Ste A, Independence, MO 64055August 19, 2002Full Service Brick and Mortar
    13429595Platte Woods Branch7612-B Nw Prairie View Road, Kansas City, MO 64151May 24, 2004Full Service Brick and Mortar
    14467998Green Hills Branch8500 North Green Hills Road, Kansas City, MO 64154March 26, 2007Full Service Brick and Mortar
    1514606Kansas City Branch445 East Highway 69, Kansas City, MO 64119June 25, 1973Full Service Brick and Mortar
    28447448Creve Coeur Branch11401 Olive Boulevard, Creve Coeur, MO 63141August 07, 2006Full Service Brick and Mortar

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