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% ($189.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
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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