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 WWW:http://www.mysuperiorbank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
429282
Superior Bank
90 Village Square Shopping Center, Hazelwood, MO 63042
December 30, 2004
Full Service Brick and Mortar
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