Sterling Federal Bank, F.S.B.

Sterling Federal Bank, F.S.B. is headquartered in Sterling and is the 90^th largest bank in the state of Illinois. It is also the 1,416^st largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 116 employees at 10 locations. Sterling Federal Bank, F.S.B. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Sterling Federal Bank, F.S.B. OTS # 00073 FDIC Certificate # 27664 BankRate Report View Year Established 1885 Employees 116 Primary Regulator OCC Assets and Liabilities Assets $475.79 million Loans $178.09 million Deposits $421.36 million Equity Capital $46.66 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $2.41 million Real Estate Owned $2.97 million Historic Data - March 2011 Assets $495.89 million Equity Capital $47.97 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $2.60 million Real Estate Owned $2.80 million Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -0.73% Return on Equity -7.4% Interest Income $4.60 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 Federal Bank, F.S.B. had $5.38 million in non-current loans and owned real-estate with $47.99 million in equity and loan loss allowances on hand to cover it. This gives Sterling Federal Bank, F.S.B. a Texas Ratio of 11.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sterling Federal Bank, F.S.B. held steady from 9.58% as of March 31, 2011 to 11.21% as of March 31, 2012, resulting in a negative change of 16.99%. This indicates that the balance sheet and financial strength for Sterling Federal Bank, F.S.B. has held steady in recent periods. Deposit Growth In the past year, Sterling Federal Bank, F.S.B. has increased its total deposits by $1.3 million, resulting in 0.31% 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 Federal Bank, F.S.B. has shown is average. 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 Federal Bank, F.S.B. has $475.79 million in assets with $47.99 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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