Park Sterling Bank

Park Sterling Bank is headquartered in Charlotte and is the 14^st largest bank in the state of North Carolina. It is also the 608^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 263 employees at 26 locations. Park Sterling Bank has a 4-star health rating.

Park Sterling Bank Routing Number: 053012728

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Data for Q1 2012

Institution Statistics Park Sterling Bank FDIC Certificate # 58408 BankRate Report View Year Established 2006 Employees 263 Primary Regulator FDIC Assets and Liabilities Assets $1.08 billion Loans $726.36 million Deposits $855.91 million Equity Capital $143.59 million Loan Loss Allowance $9.56 million Unbacked Noncurrent Loans $38.44 million Real Estate Owned $16.67 million Historic Data - March 2011 Assets $552.09 million Equity Capital $98.44 million Loan Loss Allowance $11.77 million Unbacked Noncurrent Loans $34.03 million Real Estate Owned $1.57 million Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 0.58% Return on Equity 4.39% Interest Income $12.95 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Park Sterling Bank had $55.11 million in non-current loans and owned real-estate with $153.15 million in equity and loan loss allowances on hand to cover it. This gives Park Sterling Bank a Texas Ratio of 35.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Park Sterling Bank held steady from 32.29% as of March 31, 2011 to 35.99% as of March 31, 2012, resulting in a negative change of 11.43%. This indicates that the balance sheet and financial strength for Park Sterling Bank has held steady in recent periods. Deposit Growth In the past year, Park Sterling Bank has increased its total deposits by $434.4 million, resulting in 103.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Park Sterling Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Park Sterling Bank has $1.08 billion in assets with $153.15 million in equity, resulting in a capitalization level of 14.24%, which is excellent.

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