Superior Bank in Hazelwood, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Superior Bank - Overview

  • General
  • FDIC Certificate #: 57884
    Status: Active
    Federal Reserve ID: 3308574
    Bank Holding Company (Regulatory Top Holder): Superior Bancshares, Inc. (RSSDID: 3375398, Location: Hazelwood, MO)
    Date Established: December 30, 2004
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 429282
    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: December 30, 2004
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 90 Village Square Shopping Center, Hazelwood, MO 63042
    County: St. Louis
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $44.1 mil
    Equity capital: $3.3 mil
    Deposits held in domestic offices: $40.2 mil
    Return on assets (ROA): -1.30% (-$0.6 mil)
    Quarterly return on assets: -4.45% (-$2.0 mil)
    Return on Equity (ROE): -19.89% (-$0.6 mil)
    Quarterly return on equity: -62.15% (-$1.9 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.30% (-$573.8 mil)
    Quarterly Pretax return on assets: -4.45% (-$1,964.2 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
  • 8Total employees (full-time equivalent)
  • $44,140Total assets
  • $5,623Cash and due from depository institutions
  • $5,062Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,485Net loans & leases
  • $1,208Loan loss allowance
  • $0Trading account assets
  • $1,859Bank premises and fixed assets
  • $4,758Other real estate owned
  • $0Goodwill and other intangibles
  • $44,140Life insurance assets
  • $415All other assets
  • $40,840Total liabilities and capital
  • $40,208Total liabilities
  • $37,660Total deposits
  • $40,208Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $3,300All other liabilities
  • $3,300Total equity capital
  • $3,300Total bank equity capital
  • $0Perpetual preferred stock
  • $2,951Common stock
  • $4,758Surplus
  • $-4,409Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,093Income earned, not collected on loans
  • $0Earning assets
  • $134Long-term assets (5+ years)
  • $36,547Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $48,377Volatile liabilities
  • $44,681Insider loans
  • $37,244FHLB advances
  • $44,808Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,300Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,566Restructured Loans and leases
  • $2,344Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,162Total interest income
  • $567Total interest expense
  • $1,595Net interest income
  • $505Provision for loan and lease losses
  • -$122Total noninterest income
  • $0Fiduciary activities
  • $13Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$135Additional noninterest income
  • $1,595Total noninterest expense
  • $725Salaries and employee benefits
  • $138Premises and equipment expense
  • $732Additional noninterest expense
  • -$627Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$627Income before extraordinary items
  • $0Extraordinary gains - net
  • -$627Net income attributable to bank
  • $0Net charge-offs
  • -$627Cash dividends
  • $473Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.77%Net interest margin
  • -0.29%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • -1.30%Net operating income to assets
  • -1.30%Return on assets (ROA)
  • -1.30%Pretax return on assets
  • -19.89%Return on equity (ROE)
  • -19.89%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 106.77%Credit loss provision to net charge-offs
  • -0.26%Efficiency ratio
  • 108,282Assets per employee
  • 5.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.69%Loss allowance to noncurrent loans
  • 39.06%Noncurrent assets plus other real estate owned to assets
  • 17.79%Noncurrent loans to loans
  • 9.46%Net loans and leases to deposits
  • 78.31%Net loans and leases to core deposits
  • 82.03%Equity capital to assets
  • 7.48%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 8.86%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $48,377Average earning assets
  • $3,152Average equity
  • $42,256Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0429282Superior Bank90 Village Square Shopping Center, Hazelwood, MO 63042December 30, 2004Full Service Brick and Mortar

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