Enterprise Bank & Trust in Clayton, Missouri (MO), AZ, KS



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Enterprise Bank & Trust routing number info

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Enterprise Bank & Trust
GeneralFDIC 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
LocationAddress: 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 ChangesOffice 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)
Total employees (full-time equivalent)330
Total assets$2,791,597
Cash and due from depository institutions$292,266
Interest-bearing balances$269,673
Securities$361,546
Federal funds sold & reverse repurchase agreements$3,153
Net loans & leases$1,855,429
Loan loss allowance $42,759
Trading account assets$61,148
Bank premises and fixed assets$20,499
Other real estate owned$36,619
Goodwill and other intangibles$3,287
All other assets$157,650
Life insurance assets$25,396
Total liabilities and capital$2,791,597
Total liabilities$2,562,005
Total deposits$2,313,191
Interest-bearing deposits$1,931,636
Deposits held in domestic offices$2,313,191
% insured (estimated)51.98%
Federal funds purchased & repurchase agreements $119,333
Trading liabilities$0
Other borrowed funds $107,300
Subordinated debt $2,500
All other liabilities $19,681
Total equity capital$229,592
Total bank equity capital$229,592
Perpetual preferred stock$229,533
Common stock$0
Surplus$4,156
Undivided profits $158,776
Memoranda
Noncurrent loans and leases $66,601
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $429,610
Income earned, not collected on loans $59
Earning assets $38,476
Long-term assets (5+ years) $0
Average Assets, year-to-date $7,460
Average Assets, quarterly $2,550,949
Volatile liabilities $446,504
Insider loans $2,442,626
FHLB advances $2,640,896
Loans and leases held for sale $680,221
Unused loan commitments $13,887
Tier 1 (core) risk-based capital $107,300
Tier 2 risk-based capital $424,085
Total risk weighted assets $5,666
Total unused commitments $429,610
Restructured Loans and leases $7,881
Derivatives$27,799
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Income and Expense (December 31, 2010)
(Dollar figures in thousands)
Total interest income $119,797
Total interest expense $27,728
Net interest income $92,069
Provision for loan and lease losses $33,735
Total noninterest income $18,303
Fiduciary activities $5,338
Service charges on deposit accounts $4,684
Trading account gains & fees $1,906
Additional noninterest income $6,375
Total noninterest expense $59,072
Salaries and employee benefits $27,776
Premises and equipment expense $8,184
Additional noninterest expense $23,112
Pre-tax net operating income $17,565
Securities gains (losses) $1,987
Applicable income taxes $5,744
Income before extraordinary items $13,808
Extraordinary gains - net $0
Net income attributable to bank $13,808
Net charge-offs $0
Cash dividends $13,808
Sale, conversion, retirement of capital stock, net $33,970
Net operating income $0
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Performance and Condition Ratios (December 31, 2010)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.24%
Net interest margin 4.12%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.65%
Net operating income to assets 0.51%
Return on assets (ROA) 0.57%
Pretax return on assets 0.80%
Return on equity (ROE) 6.33%
Retained earnings to average equity (YTD only) 6.33%
Net charge-offs to loans 1.84%
Credit loss provision to net charge-offs 99.31%
Efficiency ratio1.51%
Assets per employee$53,140
Cash dividends to net income (YTD only)8.46%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 111.13%
Noncurrent loans to loans 2.69%
Net loans and leases to deposits2.03%
Net loans and leases to core deposits 80.21%
Equity capital to assets 102.93%
Core capital (leverage) ratio 8.22%
Tier 1 risk-based capital ratio 8.63%
Total risk-based capital ratio 11.31%
Memoranda
Average assets$13
Average earning assets$2,442,626
Average equity $218,233
Average loans $2,232,162
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Total Fiduciary and Related Assets (December 31, 2010)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$812,104
Number of Accounts1
Personal trust and agency accounts$796,053
Employee benefit-defined contribution accounts$200,918
Employee benefit-defined benefit accounts$53,364
Other retirement accounts$0
Corporate trust and agency accounts$278,679
Investment management agency accounts$0
Other fiduciary accounts$263,092
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1200
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$71,127
Employee benefit-defined benefit accounts$0
Other retirement accounts$16,051
Corporate trust and agency accounts$15,914
Other fiduciary accounts$81
Fiduciary accounts held in foreign offices$0
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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
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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
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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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