Regulatory Matters

12 Months Ended

Dec. 31, 2018

REGULATORY MATTERS

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total, tier 1, and common equity tier 1 capital to risk-weighted assets, and of tier 1 capital to average assets. Management believes, as of December 31, 2018 and 2017, that the Company met all capital adequacy requirements to which it is subject.

As of December 31, 2018 and 2017, the Bank was categorized as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized” the Bank must maintain minimum total risk-based capital, tier 1 risk-based capital, common equity tier 1 risk-based capital, and tier 1 leverage ratios as set forth in the table.

The actual capital amounts and ratios are presented in the table below:



	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Applicable Action Provisions
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2018:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	650,859	13.02	%	$	399,949	8.00	%	$	—	—	%
Enterprise Bank & Trust	611,197		12.26		398,969		8.00		498,711		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	556,958		11.14		299,962		6.00		—		—
Enterprise Bank & Trust	567,296		11.38		299,227		6.00		398,969		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	489,301		9.79		224,971		4.50		—		—
Enterprise Bank & Trust	567,239		11.37		224,420		4.50		324,162		6.50
Leverage Ratio (Tier 1 Capital to Average Assets)
Enterprise Financial Services Corp	556,958		10.29		216,423		4.00		—		—
Enterprise Bank & Trust	567,296		10.52		215,623		4.00		269,529		5.00

As of December 31, 2017:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	589,047	12.21	%	$	385,816	8.00	%	$	—	—	%
Enterprise Bank & Trust	546,314		11.36		384,791		8.00		480,989		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	496,045		10.29		289,362		6.00		—		—
Enterprise Bank & Trust	503,312		10.46		288,593		6.00		384,791		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	428,397		8.88		217,021		4.50		—		—
Enterprise Bank & Trust	503,264		10.46		216,445		4.50		312,643		6.50
Leverage Ratio (Tier 1 Capital to Average Assets)
Enterprise Financial Services Corp	496,045		9.72		204,087		4.00		—		—
Enterprise Bank & Trust	503,312		9.68		207,885		4.00		259,856		5.00

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958577-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958572-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958574-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-URI http://asc.fasb.org/extlink&oid=84167132&loc=d3e65071-112826

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958569-112826

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958570-112826

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1F
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958575-112826

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958568-112826

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958573-112826

+ Details