Sterling Bancshares Financials


Sterling Bancshares has total assets of $4,949 million and year-to-date net operating income of $32 million. Sterling Bancshares financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	2,581	52.16%	4,750,985	34.90%
1-4 Family Residential Mortgages	243	4.91%	2,754,199	20.23%
First Lien	201	4.06%	1,864,576	13.70%
Second Lien	22	0.45%	237,504	1.74%
Home Equity Lines	20	0.41%	652,119	4.79%
Multifamily Residential	41	0.83%	205,193	1.51%
Nonfarm Residential	1,557	31.47%	1,043,393	7.66%
Construction and Development	732	14.80%	617,055	4.53%
Farmland Loans	7	0.15%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	1,050	21.21%	1,510,091	11.09%
Loans to Individuals	68	1.37%	1,082,731	7.95%
Credit Cards	0	0.00%	411,627	3.02%
Farm Loans	1	0.01%	59,656	0.44%
Other Loans and Leases	46	0.93%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	3,745	75.68%	8,000,084	58.77%
Less: Reserve for Losses	45	0.91%	156,065	1.15%
Net Loans and Leases	3,700	74.76%	7,844,019	57.62%
Securities	719	14.53%	2,027,739	14.90%
Other Real Estate Owned	5	0.09%	22,966	0.17%
Goodwill and Intangibles	188	3.79%	484,178	3.56%
All Other Assets	338	6.83%	3,207,062	23.56%
Total Assets	$4,949	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	3,584	72.42%	8,749,418	64.27%
Domestic Deposits	3,530	71.33%	7,230,058	53.11%
Transaction Accounts	391	7.91%	809,200	5.94%
Nontransaction Accounts	3,139	63.42%	6,420,965	47.17%
Money Market	877	17.72%	2,798,868	20.56%
Other Savings Accounts	1,171	23.66%	841,348	6.18%
Time Deposits	1,091	22.04%	2,773,205	20.37%
Foreign Deposits	54	1.09%	1,519,360	11.16%
Federal Funds Purchased	136	2.74%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	74	1.50%	176,833	1.30%
Other Borrowed Funds	533	10.76%	1,684,829	12.38%
All Other Liabilities	45	0.91%	401,428	2.95%
Equity Capital	577	11.67%	1,307,097	9.60%
Total Liabilities and Capital	$4,949	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	208	5.60%	487,019	4.77%
Total Interest Expense	55	1.49%	207,949	2.04%
Net Interest Income	152	4.11%	279,070	2.73%
Provision for Loan and Lease Losses	22	0.58%	124,517	1.22%
Total Noninterest Income	30	0.82%	175,521	1.72%
Total Noninterest Expense	114	3.07%	274,323	2.69%
Salaries and Benefits	63	1.71%	122,518	1.20%
Premises and Equipment Expense	18	0.48%	33,971	0.33%
Additional Noninterest Expense	33	0.88%	117,834	1.15%
Securities Gains (Losses)	1	0.01%	-8,037	-0.08%
Applicable Income Taxes	15	0.41%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	32	0.87%	32,569	0.32%
Cash Dividends, Net	12	0.32%	42,592	0.42%
Retained Earnings	20	0.55%	-10,023	-0.10%
Net Operating Income	$32	0.86%	$37,457	0.37%

* Annualized

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