The Enloe State Bank in Enloe in Cooper, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Enloe State Bank in Enloe - Overview

  • 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
    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)

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
  • 7Total employees (full-time equivalent)
  • $24,660Total assets
  • $5,682Cash and due from depository institutions
  • $4,433Interest-bearing balances
  • $11Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,738Net loans & leases
  • $291Loan loss allowance
  • $0Trading account assets
  • $304Bank premises and fixed assets
  • $154Other real estate owned
  • $0Goodwill and other intangibles
  • $24,660Life insurance assets
  • $771All other assets
  • $21,815Total liabilities and capital
  • $21,744Total liabilities
  • $18,173Total deposits
  • $21,744Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $2,845All other liabilities
  • $2,845Total equity capital
  • $2,845Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,250Surplus
  • $395Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,147Income earned, not collected on loans
  • $0Earning assets
  • $575Long-term assets (5+ years)
  • $22,182Average Assets, year-to-date
  • $4,619Average Assets, quarterly
  • $24,664Volatile liabilities
  • $24,816Insider loans
  • $16,679FHLB advances
  • $24,922Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,845Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $296Restructured Loans and leases
  • $390Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,345Total interest income
  • $239Total interest expense
  • $1,106Net interest income
  • $145Provision for loan and lease losses
  • $127Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • $50Additional noninterest income
  • $837Total noninterest expense
  • $441Salaries and employee benefits
  • $77Premises and equipment expense
  • $319Additional noninterest expense
  • $251Pre-tax net operating income
  • $0Securities gains (losses)
  • $50Applicable income taxes
  • $201Income before extraordinary items
  • $0Extraordinary gains - net
  • $201Net income attributable to bank
  • $0Net charge-offs
  • $201Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $125Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 5.03%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 7.17%Return on equity (ROE)
  • 2.71%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 14500.00%Credit loss provision to net charge-offs
  • 396.00%Efficiency ratio
  • 67,883Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.19%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 25.37%Noncurrent assets plus other real estate owned to assets
  • 5.28%Noncurrent loans to loans
  • 6.36%Net loans and leases to deposits
  • 81.58%Net loans and leases to core deposits
  • 86.51%Equity capital to assets
  • 11.54%Core capital (leverage) ratio
  • 11.42%Tier 1 risk-based capital ratio
  • 17.06%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $24,664Average earning assets
  • $2,804Average equity
  • $21,991Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06876The Enloe State Bank In Enloe45 Texas Highway 24 North, Cooper, TX 75432June 05, 1928Full Service Brick and Mortar

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