Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified |
Dec. 31, 2014
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Dec. 31, 2013
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Assets | ||
Cash and due from banks | $ 42,903us-gaap_CashAndDueFromBanks | $ 19,573us-gaap_CashAndDueFromBanks |
Federal funds sold | 35us-gaap_FederalFundsSold | 76us-gaap_FederalFundsSold |
Interest-bearing deposits (including $980 and $990 pledged as collateral) | 57,758us-gaap_InterestBearingDepositsInBanks | 190,920us-gaap_InterestBearingDepositsInBanks |
Total cash and cash equivalents | 100,696us-gaap_CashCashEquivalentsAndFederalFundsSold | 210,569us-gaap_CashCashEquivalentsAndFederalFundsSold |
Interest-bearing deposits greater than 90 days | 5,300efsc_InterestBearingDepositsGreaterThan90Days | 5,300efsc_InterestBearingDepositsGreaterThan90Days |
Securities available for sale | 400,146us-gaap_AvailableForSaleSecuritiesDebtSecurities | 434,587us-gaap_AvailableForSaleSecuritiesDebtSecurities |
Securities held to maturity | 45,985us-gaap_HeldToMaturitySecurities | 0us-gaap_HeldToMaturitySecurities |
Loans held for sale | 4,033us-gaap_LoansHeldForSaleMortgages | 1,834us-gaap_LoansHeldForSaleMortgages |
Portfolio loans | 2,433,916us-gaap_LoansAndLeasesReceivableGrossCarryingAmount | 2,137,313us-gaap_LoansAndLeasesReceivableGrossCarryingAmount |
Less: Allowance for loan losses | 30,185us-gaap_LoansAndLeasesReceivableAllowance | 27,289us-gaap_LoansAndLeasesReceivableAllowance |
Portfolio loans, net | 2,403,731us-gaap_LoansAndLeasesReceivableNetReportedAmount | 2,110,024us-gaap_LoansAndLeasesReceivableNetReportedAmount |
Purchase credit impaired loans, net of the allowance for loan losses ($15,410 and $15,438, respectively) | 83,693us-gaap_LoansAndLeasesReceivableNetReportedAmountCovered | 125,100us-gaap_LoansAndLeasesReceivableNetReportedAmountCovered |
Total loans, net | 2,487,424us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered | 2,235,124us-gaap_LoansAndLeasesReceivableNetReportedAmountCoveredAndNotCovered |
Other real estate not covered under FDIC loss share | 1,896us-gaap_OtherRealEstateNonCovered | 7,576us-gaap_OtherRealEstateNonCovered |
Other real estate covered under FDIC loss share | 5,944us-gaap_OtherRealEstateCovered | 15,676us-gaap_OtherRealEstateCovered |
Other investments, at cost | 17,037us-gaap_OtherInvestmentsAndSecuritiesAtCost | 12,605us-gaap_OtherInvestmentsAndSecuritiesAtCost |
Fixed assets, net | 14,753us-gaap_PropertyPlantAndEquipmentNet | 18,180us-gaap_PropertyPlantAndEquipmentNet |
Accrued interest receivable | 7,956us-gaap_InterestReceivable | 7,303us-gaap_InterestReceivable |
State tax credits, held for sale, including $11,689 and $16,491 carried at fair value, respectively | 38,309efsc_StateTaxCreditsHeldForSale | 48,457efsc_StateTaxCreditsHeldForSale |
FDIC loss share receivable | 15,866us-gaap_FDICIndemnificationAsset | 34,319us-gaap_FDICIndemnificationAsset |
Goodwill | 30,334us-gaap_Goodwill | 30,334us-gaap_Goodwill |
Intangible assets, net | 4,164us-gaap_IntangibleAssetsNetExcludingGoodwill | 5,418us-gaap_IntangibleAssetsNetExcludingGoodwill |
Other assets | 97,160us-gaap_PrepaidExpenseAndOtherAssets | 102,915us-gaap_PrepaidExpenseAndOtherAssets |
Total assets | 3,277,003us-gaap_Assets | 3,170,197us-gaap_Assets |
Liabilities and Shareholders' Equity | ||
Demand deposits | 642,930us-gaap_NoninterestBearingDomesticDepositDemand | 653,686us-gaap_NoninterestBearingDomesticDepositDemand |
Interest-bearing transaction accounts | 508,941us-gaap_InterestBearingDomesticDepositChecking | 219,802us-gaap_InterestBearingDomesticDepositChecking |
Money market accounts | 755,569us-gaap_DepositsMoneyMarketDeposits | 948,884us-gaap_DepositsMoneyMarketDeposits |
Savings | 78,718us-gaap_DepositsSavingsDeposits | 79,666us-gaap_DepositsSavingsDeposits |
Certificates of deposit: | ||
$100 and over | 377,544us-gaap_TimeDeposits100000OrMore | 475,544us-gaap_TimeDeposits100000OrMore |
Other | 127,808us-gaap_TimeDepositsLessThan100000 | 157,371us-gaap_TimeDepositsLessThan100000 |
Total deposits | 2,491,510us-gaap_Deposits | 2,534,953us-gaap_Deposits |
Subordinated debentures | 56,807us-gaap_SubordinatedDebt | 62,581us-gaap_SubordinatedDebt |
Federal Home Loan Bank advances | 144,000us-gaap_FederalHomeLoanBankAdvancesLongTerm | 50,000us-gaap_FederalHomeLoanBankAdvancesLongTerm |
Other borrowings | 234,183us-gaap_OtherBorrowings | 203,831us-gaap_OtherBorrowings |
Notes payable | 5,700us-gaap_NotesPayableToBank | 10,500us-gaap_NotesPayableToBank |
Accrued interest payable | 843us-gaap_InterestPayableCurrentAndNoncurrent | 957us-gaap_InterestPayableCurrentAndNoncurrent |
Other liabilities | 27,719us-gaap_OtherLiabilities | 27,670us-gaap_OtherLiabilities |
Total liabilities | 2,960,762us-gaap_Liabilities | 2,890,492us-gaap_Liabilities |
Shareholders' equity: | ||
Preferred stock, $0.01 par value; 5,000,000 shares authorized; 0 shares issued and outstanding | 0us-gaap_PreferredStockValue | 0us-gaap_PreferredStockValue |
Common stock, $0.01 par value; 30,000,000 shares authorized; 19,913,519 and 19,399,709 shares issued, respectively | 199us-gaap_CommonStockValue | 194us-gaap_CommonStockValue |
Treasury stock, at cost; 76,000 shares | (1,743)us-gaap_TreasuryStockValue | (1,743)us-gaap_TreasuryStockValue |
Additional paid in capital | 207,731us-gaap_AdditionalPaidInCapital | 200,258us-gaap_AdditionalPaidInCapital |
Retained earnings | 108,373us-gaap_RetainedEarningsAccumulatedDeficit | 85,376us-gaap_RetainedEarningsAccumulatedDeficit |
Accumulated other comprehensive (loss) income | 1,681us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax | (4,380)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax |
Total shareholders' equity | 316,241us-gaap_StockholdersEquity | 279,705us-gaap_StockholdersEquity |
Total liabilities and shareholders' equity | $ 3,277,003us-gaap_LiabilitiesAndStockholdersEquity | $ 3,170,197us-gaap_LiabilitiesAndStockholdersEquity |
X | ||||||||||
- Definition
Interest-bearing deposits greater than 90 days No definition available.
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- Definition
State tax credits, held for sale No definition available.
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- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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- Definition
Amount of debt securities categorized neither as held-to-maturity nor trading. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs). Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Carrying amount of receivable assets originating from the indemnification agreement with the Federal Deposit Insurance Corporation (FDIC), in which the FDIC is to partially cover losses. No definition available.
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- Definition
The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of interest-bearing domestic checking deposit liabilities. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of interest payable on debt, including, but not limited to, trade payables. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
Net carrying amount of loans and leases receivable covered by loss sharing agreements. No definition available.
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X | ||||||||||
- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums over and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes loans and leases covered under loss sharing agreements. No definition available.
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X | ||||||||||
- Definition
Amount of mortgage loans held for sale. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Including the current and noncurrent portions, the carrying value as of the balance sheet date of notes payable to banks, excluding mortgage notes, initially due beyond one year or beyond the operating cycle if longer. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
The carrying amount as of the balance sheet date for the aggregate of other miscellaneous borrowings owed by the reporting entity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Includes other investments and securities that are not at fair value as of the balance sheet date and those that are not accounted for under the equity method. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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X | ||||||||||
- Definition
The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Carrying amount of other real estate covered by loss sharing agreements not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations that may also be included in real estate owned. Excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure by banks. No definition available.
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- Definition
Carrying amount of other real estate not covered by loss sharing agreements not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations that may also be included in real estate owned. Excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure by banks. No definition available.
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- Definition
Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets. No definition available.
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- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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X | ||||||||||
- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Definition
The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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X | ||||||||||
- Definition
The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000. No definition available.
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- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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