Ennis State Bank in Ennis, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Ennis State Bank in Ennis, Texas (TX)
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Ennis State Bank routing number info

Ennis State Bank - Overview

  • General
  • FDIC Certificate #: 13000
    Status: Active
    Federal Reserve ID: 435059
    Bank Holding Company (Regulatory Top Holder): Ennis Bancshares, Inc. (RSSDID: 1131956, Location: Ennis, TX)
    Date Established: January 01, 1933
    WWW: http://www.ennisstatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8215
    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: January 01, 1934
    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: 815 West Ennis Avenue, Ennis, TX 75119
    County: Ellis
    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
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    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
  • Name Change
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $117.9 mil
    Equity capital: $12.2 mil
    Deposits held in domestic offices: $94.0 mil
    Return on assets (ROA): 0.56% ($0.7 mil)
    Quarterly return on assets: -0.03% (-$0.0 mil)
    Return on Equity (ROE): 5.23% ($0.6 mil)
    Quarterly return on equity: -0.32% (-$0.0 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.86% ($1,014.1 mil)
    Quarterly Pretax return on assets: -0.05% (-$59.0 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
  • 50Total employees (full-time equivalent)
  • $117,922Total assets
  • $9,513Cash and due from depository institutions
  • $3,924Interest-bearing balances
  • $13,701Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,045Net loans & leases
  • $1,437Loan loss allowance
  • $0Trading account assets
  • $2,944Bank premises and fixed assets
  • $522Other real estate owned
  • $393Goodwill and other intangibles
  • $117,922Life insurance assets
  • $1,804All other assets
  • $105,674Total liabilities and capital
  • $94,029Total liabilities
  • $53,801Total deposits
  • $94,029Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 3900.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,911Trading liabilities
  • $0Other borrowed funds
  • $834Subordinated debt
  • $12,248All other liabilities
  • $12,248Total equity capital
  • $12,248Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $6,300Surplus
  • $5,748Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $218Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,667Income earned, not collected on loans
  • $0Earning assets
  • $433Long-term assets (5+ years)
  • $106,670Average Assets, year-to-date
  • $25,586Average Assets, quarterly
  • $113,864Volatile liabilities
  • $117,898Insider loans
  • $88,347FHLB advances
  • $124,866Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,980Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,921Restructured Loans and leases
  • $4,331Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,839Total interest income
  • $745Total interest expense
  • $5,094Net interest income
  • $840Provision for loan and lease losses
  • $1,236Total noninterest income
  • $0Fiduciary activities
  • $468Service charges on deposit accounts
  • $0Trading account gains & fees
  • $768Additional noninterest income
  • $4,515Total noninterest expense
  • $2,391Salaries and employee benefits
  • $909Premises and equipment expense
  • $1,215Additional noninterest expense
  • $975Pre-tax net operating income
  • $0Securities gains (losses)
  • $339Applicable income taxes
  • $636Income before extraordinary items
  • $0Extraordinary gains - net
  • $636Net income attributable to bank
  • $0Net charge-offs
  • $636Cash dividends
  • $408Sale, conversion, retirement of capital stock, net
  • $275Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.65%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.93%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 5.23%Return on equity (ROE)
  • 2.97%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 205.88%Credit loss provision to net charge-offs
  • 4.45%Efficiency ratio
  • 71,327Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.24%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 53.88%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 2.95%Net loans and leases to deposits
  • 94.70%Net loans and leases to core deposits
  • 95.86%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $113,864Average earning assets
  • $12,169Average equity
  • $103,365Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $26Managed Assets
  • 1Number of Accounts
  • $26Personal trust and agency accounts
  • $26Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08215Ennis State Bank815 West Ennis Avenue, Ennis, TX 75119January 01, 1933Full Service Brick and Mortar
    1228732West Ennis Branch700 West Ennis Avenue, Ennis, TX 75119March 31, 1981Full Service Brick and Mortar

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