Enterprise Bank

Houston, TX · Cert 3326

FDIC · 9 branches

Q4 2014

$570.1MAssets

$410.1MLoans

$490.5MDeposits

$78.3MEquity

Loan mix

Deposit mix

NIM

Market Position · Houston-The Woodlands-Sugar Land, TX · 2014 SOD (annual) · 0.2% share · #39 of 103 inst. · $0.4B of $242.5B

0.2% Harris

5.1% Waller

0.4% McLennan

6.6% Falls

Earnings: ROA of 0.93%, down 15 bps year over year; NIM at 3.76%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
Funding: loans stand at 83.60% of deposits as of Q4 2014.

Return on Assets (YTD, annualized)

0.93%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-29 bps YoY

Efficiency Ratio (YTD, annualized)

66.22%-61 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	1.08%	1.03%	0.99%	0.99%	0.93%	-15 bps
Return on Equity	7.63%	7.09%	6.79%	6.88%	6.53%	-110 bps
Net Interest Margin	4.05%	4.14%	3.99%	3.88%	3.76%	-29 bps
Efficiency Ratio	66.83%	63.11%	64.78%	64.48%	66.22%	-61 bps
Non-Interest Burden	2.65%	2.54%	2.51%	2.43%	2.41%	-24 bps
Growth
Asset Growth (YoY)	-3.61%	4.38%	5.07%	10.26%	12.38%	+1,600 bps
Loan Growth (YoY)	7.76%	10.97%	15.58%	8.38%	2.52%	-524 bps
Deposit Growth (YoY)	-5.29%	3.96%	5.09%	11.35%	14.01%	+1,931 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.18%	-0.18%	-0.14%	-0.05%	0.10%	-7 bps
Allowance / Loans	1.24%	1.28%	1.29%	1.26%	1.11%	-13 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.09%	15.30%	14.88%	15.18%	14.79%	-31 bps
Equity / Assets	14.88%	14.24%	14.54%	13.97%	13.74%	-114 bps
Liquidity & Funding
Loans / Deposits	92.96%	87.66%	89.20%	83.41%	83.60%	-937 bps
Liquid Assets / Assets	4.11%	13.59%	10.63%	16.39%	16.31%	+1,220 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a