The Enloe State Bank in Enloe in Cooper, Texas (TX)
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| The Enloe State Bank in Enloe | |
|---|---|
| General | FDIC Certificate #: 10716 Status: Active Federal Reserve ID: 431958 Bank Holding Company (Regulatory Top Holder): Entex Bancshares, Inc. (RSSDID: 1108994, Location: Cooper, TX) Date Established: June 05, 1928 WWW: http://www.enloestatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6876 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 31, 2007 Last Structure Change Process Date: September 15, 2009 Last Data Update: September 15, 2009 Data Source Date: April 05, 2012 |
| Location | Address: 45 Texas Highway 24 North, Cooper, TX 75432 County: Delta Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124) |
| History of Changes | Change in Location |
| Financial Summary | Total assets: $24.7 mil Equity capital: $2.8 mil Deposits held in domestic offices: $21.7 mil Return on assets (ROA): 0.81% ($0.2 mil) Quarterly return on assets: 1.26% ($0.3 mil) Return on Equity (ROE): 7.17% ($0.2 mil) Quarterly return on equity: 10.88% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.02% ($251.5 mil) Quarterly Pretax return on assets: 0.77% ($189.9 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $24,660 |
| Cash and due from depository institutions | $5,682 |
| Interest-bearing balances | $4,433 |
| Securities | $11 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $17,738 |
| Loan loss allowance | $291 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $304 |
| Other real estate owned | $154 |
| Goodwill and other intangibles | $0 |
| All other assets | $771 |
| Life insurance assets | $24,660 |
| Total liabilities and capital | $21,815 |
| Total liabilities | $21,744 |
| Total deposits | $18,173 |
| Interest-bearing deposits | $21,744 |
| Deposits held in domestic offices | $97 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $71 |
| All other liabilities | $2,845 |
| Total equity capital | $2,845 |
| Total bank equity capital | $2,845 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $2,250 |
| Undivided profits | $395 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,147 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $575 |
| Average Assets, year-to-date | $22,182 |
| Average Assets, quarterly | $4,619 |
| Volatile liabilities | $24,664 |
| Insider loans | $24,816 |
| FHLB advances | $16,679 |
| Loans and leases held for sale | $24,922 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $2,845 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $296 |
| Derivatives | $390 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,345 |
| Total interest expense | $239 |
| Net interest income | $1,106 |
| Provision for loan and lease losses | $145 |
| Total noninterest income | $127 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $77 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $50 |
| Total noninterest expense | $837 |
| Salaries and employee benefits | $441 |
| Premises and equipment expense | $77 |
| Additional noninterest expense | $319 |
| Pre-tax net operating income | $251 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $50 |
| Income before extraordinary items | $201 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $201 |
| Net charge-offs | $0 |
| Cash dividends | $201 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $125 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 6.12% |
| Cost of funding earning assets | 1.09% |
| Net interest margin | 5.03% |
| Noninterest income to earning assets | 0.58% |
| Noninterest expense to earning assets | 3.81% |
| Net operating income to assets | 0.81% |
| Return on assets (ROA) | 0.81% |
| Pretax return on assets | 1.02% |
| Return on equity (ROE) | 7.17% |
| Retained earnings to average equity (YTD only) | 2.71% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 14500.00% |
| Efficiency ratio | 396.00% |
| Assets per employee | $67,883 |
| Cash dividends to net income (YTD only) | 3.52% |
| Condition Ratios (%) | |
| Loss allowance to loans | 62.19% |
| Loss allowance to noncurrent loans | 1.61% |
| Noncurrent assets plus other real estate owned to assets | 25.37% |
| Noncurrent loans to loans | 5.28% |
| Net loans and leases to deposits | 6.36% |
| Net loans and leases to core deposits | 81.58% |
| Equity capital to assets | 86.51% |
| Core capital (leverage) ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.42% |
| Total risk-based capital ratio | 17.06% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $24,664 |
| Average equity | $2,804 |
| Average loans | $21,991 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6876 | The Enloe State Bank In Enloe | 45 Texas Highway 24 North, Cooper, TX 75432 | June 05, 1928 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.