Stifel Bank and Trust

Stifel Bank and Trust is headquartered in Creve Coeur and is the 8^th largest bank in the state of Missouri. It is also the 272^nd largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 106 employees at 1 location. Stifel Bank and Trust has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Stifel Bank and Trust FDIC Certificate # 57311 BankRate Report View Year Established 2002 Employees 106 Primary Regulator FDIC Assets and Liabilities Assets $2.62 billion Loans $808.30 million Deposits $2.36 billion Equity Capital $199.03 million Loan Loss Allowance $5.78 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $717,000 Historic Data - March 2011 Assets $1.79 billion Equity Capital $141.50 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $783,000 Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 2.22% Return on Assets 1.26% Return on Equity 16.67% Interest Income $17.52 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 March 31, 2012 Stifel Bank and Trust had $2.68 million in non-current loans and owned real-estate with $204.81 million in equity and loan loss allowances on hand to cover it. This gives Stifel Bank and Trust a Texas Ratio of 1.31% 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 Stifel Bank and Trust held steady from 1.48% as of March 31, 2011 to 1.31% as of March 31, 2012, resulting in a positive change of 11.54%.This indicates that the balance sheet and financial strength for Stifel Bank and Trust has held steady in recent periods. Deposit Growth In the past year, Stifel Bank and Trust has increased its total deposits by $732.77 million, resulting in 44.95% 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 Stifel Bank and Trust 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. Stifel Bank and Trust has $2.62 billion in assets with $204.81 million in equity, resulting in a capitalization level of 7.82%, which is below average.

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