PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Enterprise Banking, N.A.

Overland Park, KS · Cert 4696

FDIC

Q2 2001

$160.6MAssets
$122.6MLoans
$139.1MDeposits
$14.5MEquity
Loan mix
39%RE $26.6M61%C&I $41.8M0%Consumer $0.3MQ2 2000Q2 2001
Deposit mix
84%Interest-bearing $117.1M16%Noninterest $22.1MQ2 2000Q2 2001

NIM

7.99%Q1 ’017.49%Q2 ’01-7%

Non-interest income vs. expense

3.75%Q1 ’013.65%Q2 ’01-4%

Executive Summary

  • Earnings: ROA of 0.42%, down 66 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 88.10% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.42%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.87%

Efficiency Ratio (YTD, annualized)

81.99%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.08%0.97%0.87%0.46%0.42%-66 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.15%3.87%n/a
Efficiency Ration/an/an/a79.92%81.99%n/a
Non-Interest Burdenn/an/an/a3.21%3.07%n/a
Growth
Asset Growth (YoY)15.78%12.27%9.34%15.57%20.93%+515 bps
Loan Growth (YoY)15.76%16.43%16.76%16.49%21.82%+606 bps
Deposit Growth (YoY)18.72%14.67%11.56%16.17%20.56%+184 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.71%n/a
Allowance / Loansn/an/an/a2.05%1.54%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a11.62%10.93%n/a
Equity / Assetsn/an/an/a9.68%9.03%n/a
Liquidity & Funding
Loans / Deposits87.19%83.67%91.49%87.08%88.10%+91 bps
Liquid Assets / Assets0.00%0.00%0.00%0.44%0.44%+44 bps
CRE / Total Capitaln/an/an/an/an/an/an/a