Regulatory Matters

12 Months Ended

Dec. 31, 2012

Regulated Operations [Abstract]

Regulatory Matters

REGULATORY MATTERS

The Company and the Bank are subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial statements of the Company and the Bank. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Under Federal Reserve Board policies, bank holding companies may pay cash dividends on common stock only out of income available over the past year if prospective earnings retention is consistent with the organization's expected future needs and financial condition and if the organization is not in danger of not meeting its minimum regulatory capital requirements. Federal Reserve Board policy also provides that bank holding companies should not maintain a level of cash dividends that undermines the bank holding company's ability to serve as a source of strength to its banking subsidiaries.

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 and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes, as of December 31, 2012 and 2011, that the Bank met all capital adequacy requirements to which it is subject.

As of December 31, 2012 and 2011, 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, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table.

The actual capital amounts and ratios are also 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, 2012:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	303,951	12.30	%	$	197,733	8.00	%	$	—	—	%
Enterprise Bank & Trust	290,933		11.85		196,357		8.00		245,446		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	268,870		10.88		98,867		4.00		—		—
Enterprise Bank & Trust	257,565		10.49		98,178		4.00		147,268		6.00
Tier 1 Capital (to Average Assets)
Enterprise Financial Services Corp	268,870		8.36		96,519		3.00		—		—
Enterprise Bank & Trust	257,565		8.06		95,862		3.00		159,771		5.00
As of December 31, 2011:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	306,996	13.78	%	$	178,237	8.00	%	$	—	—	%
Enterprise Bank & Trust	267,717		12.06		177,565		8.00		221,956		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	276,275		12.40		89,118		4.00		—		—
Enterprise Bank & Trust	237,326		10.69		88,783		4.00		133,174		6.00
Tier 1 Capital (to Average Assets)
Enterprise Financial Services Corp	276,275		8.26		100,387		3.00		—		—
Enterprise Bank & Trust	237,326		7.09		100,387		3.00		167,311		5.00