Sterling Bank in Poplar Bluff, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Sterling Bank - Overview

  • General
  • FDIC Certificate #: 57813
    Status: Active
    Federal Reserve ID: 3284490
    Bank Holding Company (Regulatory Top Holder): Sterling Bancshares, Inc. (RSSDID: 3283587, Location: Poplar Bluff, MO)
    Date Established: October 19, 2004
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 426538
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 19, 2004
    Last Structure Change Effective Date: October 30, 2009
    Last Structure Change Process Date: November 16, 2009
    Last Data Update: November 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Sterling Drive, Poplar Bluff, MO 63901
    County: Butler
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Poplar Bluff, MO (#38740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $347.5 mil
    Equity capital: $33.3 mil
    Deposits held in domestic offices: $290.9 mil
    Return on assets (ROA): 1.55% ($5.4 mil)
    Quarterly return on assets: 0.95% ($3.3 mil)
    Return on Equity (ROE): 17.74% ($5.9 mil)
    Quarterly return on equity: 10.79% ($3.6 mil)
    Net income: $4.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.48% ($5,143.0 mil)
    Quarterly Pretax return on assets: 0.35% ($1,216.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $347,500Total assets
  • $70,128Cash and due from depository institutions
  • $65,715Interest-bearing balances
  • $11,697Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $233,639Net loans & leases
  • $3,106Loan loss allowance
  • $0Trading account assets
  • $15,570Bank premises and fixed assets
  • $1,106Other real estate owned
  • $0Goodwill and other intangibles
  • $347,500Life insurance assets
  • $15,360All other assets
  • $314,187Total liabilities and capital
  • $290,917Total liabilities
  • $261,240Total deposits
  • $290,917Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 1217.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,620Trading liabilities
  • $0Other borrowed funds
  • $1,433Subordinated debt
  • $33,313All other liabilities
  • $33,313Total equity capital
  • $33,313Total bank equity capital
  • $0Perpetual preferred stock
  • $3,625Common stock
  • $20,095Surplus
  • $9,593Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $166Income earned, not collected on loans
  • $0Earning assets
  • $2,064Long-term assets (5+ years)
  • $311,051Average Assets, year-to-date
  • $44,611Average Assets, quarterly
  • $314,376Volatile liabilities
  • $348,661Insider loans
  • $280,010FHLB advances
  • $342,650Loans and leases held for sale
  • $4,059Unused loan commitments
  • $4,059Tier 1 (core) risk-based capital
  • $33,214Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $57,719Restructured Loans and leases
  • $11,162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,738Total interest income
  • $4,442Total interest expense
  • $10,296Net interest income
  • $937Provision for loan and lease losses
  • $958Total noninterest income
  • $0Fiduciary activities
  • $237Service charges on deposit accounts
  • $0Trading account gains & fees
  • $721Additional noninterest income
  • $5,832Total noninterest expense
  • $2,959Salaries and employee benefits
  • $802Premises and equipment expense
  • $2,071Additional noninterest expense
  • $4,485Pre-tax net operating income
  • $179Securities gains (losses)
  • -$222Applicable income taxes
  • $4,886Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,886Net income attributable to bank
  • $0Net charge-offs
  • $4,886Cash dividends
  • $369Sale, conversion, retirement of capital stock, net
  • $1,005Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 17.74%Return on equity (ROE)
  • 14.09%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 253.93%Credit loss provision to net charge-offs
  • 14.69%Efficiency ratio
  • 51,822Assets per employee
  • 10.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.57%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 1871.08%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 80.31%Net loans and leases to core deposits
  • 93.39%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 11.86%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $314,376Average earning assets
  • $27,539Average equity
  • $283,835Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0426538Sterling Bank1100 Sterling Drive, Poplar Bluff, MO 63901October 19, 2004Full Service Brick and Mortar
    1482597Van Buren Branch702 Main Street, Van Buren, MO 63965October 08, 2008Full Service Brick and Mortar
    2509272Saint Louis Branch50 South Bemiston Avenue, Saint Louis, MO 63105May 03, 2010Full Service Brick and Mortar

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