Sterling Bank (MO)

Sterling Bank (MO) is headquartered in Poplar Bluff and is the 55^th largest bank in the state of Missouri. It is also the 1,597^th largest bank in the nation. It was established in 2004 and as of December of 2012, it had grown to 41 employees at 3 locations. Sterling Bank (MO) has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Sterling Bank FDIC Certificate # 57813 BankRate Report View Year Established 2004 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $417.11 million Loans $265.54 million Deposits $334.92 million Equity Capital $37.93 million Loan Loss Allowance $3.77 million Real Estate Owned $938,000 Historic Data - December 2011 Assets $347.50 million Equity Capital $33.31 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $166,000 Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.18% Return on Equity 12.87% Interest Income $18.17 million

Institution Health Overall Score: 5 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 December 31, 2012 Sterling Bank (MO) had $938,000 in non-current loans and owned real-estate with $41.7 million in equity and loan loss allowances on hand to cover it. This gives Sterling Bank (MO) a Texas Ratio of 2.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sterling Bank (MO) decreased slightly from 3.49% as of December 31, 2011 to 2.25% as of December 31, 2012, resulting in a positive change of 35.60%.This indicates that the balance sheet and financial strength for Sterling Bank (MO) has improved slightly in recent periods. Deposit Growth In the past year, Sterling Bank (MO) has increased its total deposits by $44 million, resulting in 15.12% 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 (MO) 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 (MO) has $417.11 million in assets with $41.7 million in equity, resulting in a capitalization level of 10.00%, which is average.

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