Sterling Bank and Trust, FSB.

One Towne Square, Suite 1700
Southfield, MI 48076
(866) 619-2265
www.sterlingbank.com

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Sterling Bank and Trust, FSB. is headquartered in Southfield and is the 13^st largest bank in the state of Michigan. It is also the 844^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 125 employees at 15 locations. Sterling Bank and Trust, FSB.'s money market rates are 48% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD

Sterling Bank and Trust, FSB. Checking Account Rates

Apy	Min	Max	Product
0.25%	$500	$1m	Senior Club Sterling Eagle Checking with Direct Deposit - Relationship
0.20%	$500	$1m	Sterling Eagle Checking with Direct Deposit
0.10%	-	-	Sterling Eagle Checking

Sterling Bank and Trust, FSB. Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Business Statement Savings
0.45%	-	-	Sterling Senior Club Statement Savings - Relationship
0.40%	-	-	Statement Savings
0.40%	-	-	IRA Savings

Sterling Bank and Trust, FSB. Money Market Rates

Apy	Min	Max	Product
0.70%	$500	$1k	Sterling Senior Club Money Market
0.65%	$500	$1m	Personal Money Market
0.50%	$500	$1m	Business Money Market

Sterling Bank and Trust, FSB. CD Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month Sterling Senior Club CD
1.50%	$500	-	60 Month CD
1.50%	$500	-	Business 60 Month CD
1.30%	$500	-	48 Month Sterling Senior Club CD
1.25%	$500	-	48 Month CD
1.25%	$500	-	Business 48 Month CD
1.15%	$500	-	36 Month Sterling Senior Club CD
1.10%	$500	-	36 Month CD
1.10%	$500	-	Business 36 Month CD
0.75%	$500	-	24 Month Sterling Senior Club CD
0.70%	$500	-	24 Month CD
0.70%	$500	-	Business 24 Month CD
0.65%	$500	-	18 Month Sterling Senior Club CD
0.60%	$500	-	18 Month CD
0.60%	$500	-	Business 18 Month CD
0.50%	$500	-	12 Month Sterling Senior Club CD
0.45%	$500	-	12 Month CD
0.45%	$500	-	Business 12 Month CD
0.35%	$500	-	6 Month Sterling Senior Club CD
0.30%	$500	-	6 Month CD
0.30%	$500	-	Business 6 Month CD
0.25%	$500	-	3 Month Sterling Senior Club CD
0.20%	$500	-	3 Month CD
0.20%	$500	-	Business 3 Month CD
0.10%	$500	-	1 Month Sterling Senior Club CD
0.05%	$500	-	1 Month CD
0.05%	$500	-	Business 1 Month CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Sterling Bank and Trust, FSB
OTS #	08028
FDIC Certificate #	32232
BankRate Report	View
Year Established	1984
Employees	125
Primary Regulator	OCC
Assets and Liabilities
Assets	$782.48 million
Loans	$644.40 million
Deposits	$671.24 million
Equity Capital	$83.84 million
Loan Loss Allowance	$11.35 million
Unbacked Noncurrent Loans	$13.07 million
Real Estate Owned	$10.43 million
Historic Data - March 2011
Assets	$722.56 million
Equity Capital	$80.18 million
Loan Loss Allowance	$6.73 million
Unbacked Noncurrent Loans	$16.18 million
Real Estate Owned	$15.31 million
Profit Margin - Quarterly
Net Interest Margin	4.68%
Return on Assets	0.34%
Return on Equity	3.17%
Interest Income	$9.57 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 Sterling Bank and Trust, FSB. had $23.5 million in non-current loans and owned real-estate with $95.2 million in equity and loan loss allowances on hand to cover it. This gives Sterling Bank and Trust, FSB. a Texas Ratio of 24.68% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Sterling Bank and Trust, FSB. decreased slightly from 36.50% as of March 31, 2011 to 24.68% as of March 31, 2012, resulting in a positive change of 32.37%.This indicates that the balance sheet and financial strength for Sterling Bank and Trust, FSB. has improved slightly in recent periods.
Deposit Growth
In the past year, Sterling Bank and Trust, FSB. has increased its total deposits by $63.5 million, resulting in 10.45% 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 Sterling Bank and Trust, FSB. 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. Sterling Bank and Trust, FSB. has $782.48 million in assets with $95.2 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

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