Superior Bank

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Overview

FDIC Cert 57884
Address
90 Village Square Shopping Center, Hazelwood, MO 63042
FDIC Unique Number 429282
Federal Reserve ID 3308574
Federal Reserve ID for Bank Holding Company 3375398
OCC Charter Number 0
OTS Docket Number Not available or not applicable
MSA St. Louis, MO-IL
County St. Louis
Website http://www.mysuperiorbank.com
Established On 12/30/2004
Insured On 12/30/2004
Holding Company Superior Bancshares, Inc.
Regulator Federal Deposit Insurance Corporation
Asset Concentration Commercial Lending Specialization
Ownership Type
Domestic Offices 1
Foreign Offices
Bank Charter Class NM - Commercial bank, state charter and Fed nonmember, supervised by the FDIC

Recent Changes

Financial Snapshot

USD, Thousands
Total Assets 27,148
Total Deposits 25,123
Domestic Deposits 25,123
Bank Equity Capital 1,937
Year to Date Quarterly
Net Income USD, 000 -320 -19
Return on Assets -1.63% -0.28%
Return on Equity -20.57% -3.9%
Pre-Tax Return on Assets -1.63% -0.28%
as of 09/30/2015

Financial Health

As of 09/30/2015
High Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

Superior Bank has a texas ratio of 133.14 which puts it at HIGH risk. As of 09/30/2015 the bank had $0 Non Current Loans and Leases, $3,246 Other Real Estate Owned, $1,937 Total Equity Capital and $501 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $0 $3,246 $1,937 $501 133.14
06/30/2015 $0 $3,460 $1,956 $501 140.82
03/31/2015 $1,507 $2,533 $2,146 $501 152.63
12/31/2014 $1,672 $2,559 $2,257 $501 153.41
09/30/2014 $1,672 $2,603 $2,392 $502 147.72
06/30/2014 $1,680 $3,561 $2,317 $466 188.32
03/31/2014 $2,369 $3,256 $1,580 $531 266.46
12/31/2013 $2,369 $3,444 $1,672 $551 261.49
09/30/2013 $2,626 $3,440 $1,910 $645 237.42
06/30/2013 $3,882 $2,625 $1,930 $1,092 215.32
03/31/2013 $3,888 $2,688 $1,956 $1,151 211.65
12/31/2012 $4,064 $2,579 $2,229 $921 210.89
09/30/2012 $3,696 $2,938 $2,513 $888 195.06
06/30/2012 $4,233 $3,023 $2,776 $1,186 183.14
03/31/2012 $3,476 $4,465 $3,189 $1,054 187.16
12/31/2011 $3,093 $4,758 $3,300 $1,208 174.16
09/30/2011 $3,161 $3,070 $3,097 $896 156.05
06/30/2011 $4,809 $3,045 $3,099 $1,163 184.28
03/31/2011 $4,151 $1,852 $3,035 $1,161 143.06
12/31/2010 $3,150 $2,605 $3,227 $1,176 130.71
09/30/2010 $2,910 $2,413 $4,591 $1,717 84.38
06/30/2010 $4,118 $4,353 $4,867 $2,187 120.09
03/31/2010 $3,827 $2,171 $4,985 $1,959 86.38
12/31/2009 $2,317 $2,485 $4,940 $2,077 68.43
09/30/2009 $2,099 $2,612 $6,049 $673 70.08
06/30/2009 $940 $2,030 $6,026 $709 44.1
03/31/2009 $1,481 $1,586 $5,929 $709 46.2

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Assets and Liabilities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total employees (full-time equivalent) 8 9 9 9 9 Chart
Total Assets 27,148 26,420 26,777 24,360 26,049 Chart
Cash & Balances due from depository institutions 2,789 2,687 3,626 2,490 3,239 Chart
Interest-bearing balances 2,305 2,165 3,003 1,962 2,772 Chart
Securities 0 0 0 0 0 Chart
Federal funds sold and reverse repurchase 0 0 0 0 0 Chart
Net loans and leases 19,213 18,385 18,725 17,403 18,299 Chart
Loan loss allowance 501 501 501 501 502 Chart
Trading account assets 0 0 0 0 0 Chart
Bank premises and fixed assets 1,749 1,737 1,737 1,748 1,759 Chart
Other real estate owned 3,246 3,460 2,533 2,559 2,603 Chart
Goodwill and other intangibles 0 0 0 0 0 Chart
All other assets 151 151 156 160 149 Chart
Total Liabilities and Capital 27,148 26,420 26,777 24,360 26,049 Chart
Total Liabilities 25,211 24,464 24,631 22,103 23,657 Chart
Total deposits 25,123 24,350 24,597 22,093 23,608 Chart
Interest-bearing deposits 23,239 22,302 22,548 20,475 21,633 Chart
Deposits held in domestic offices 25,123 24,350 24,597 22,093 23,608 Chart
% insured (estimated) 99% 98% 98% 98% 98% Chart
Federal funds purchased and repurchase agreements 0 0 0 0 0 Chart
Trading liabilities 0 0 0 0 0 Chart
Other borrowed funds 0 0 0 0 0 Chart
Subordinated debt 0 0 0 0 0 Chart
All other liabilities 88 114 34 10 49 Chart
Total equity capital 1,937 1,956 2,146 2,257 2,392 Chart
Bank equity capital 1,937 1,956 2,146 2,257 2,392 Chart
Perpetual preferred stock 0 0 0 0 0 Chart
Common stock 590 590 590 590 590 Chart
Surplus 8,018 8,018 8,018 8,018 8,018 Chart
Undivided profits -6,671 -6,652 -6,462 -6,351 -6,216 Chart
Equity, minor interest in consolidated subs 0 0 0 0 0 Chart
Memoranda
Noncurrent loans and leases 0 0 1,507 1,672 1,672 Chart
Noncurrent loans which are wholly or partially guaranteed by the U.S. 0 0 0 0 0 Chart
Income earned, not collected on loans 40 47 46 45 48 Chart
Earning assets 21,518 20,550 21,728 19,365 21,071 Chart
Long-term assets (5+ years) 198 204 210 0 0 Chart
Average total assets 26,176 25,852 25,569 27,430 28,198 Chart
Average assets, quarterly 26,784 26,599 25,569 25,205 27,089 Chart
Total risk weighted assets adjusted 24,568 24,220 21,087 20,332 21,254 Chart
Adjusted average assets for leverage capital purposes 26,886 26,794 25,762 25,321 26,815 Chart
Life insurance assets 0 0 0 0 0 Chart
General account life insurance assets 0 0 0 0 0 Chart
Separate account life insurance assets 0 0 0 0 0 Chart
Hybrid life insurance assets 0 0 0 0 0 Chart
Volatile liabilities 0 251 251 251 251 Chart
Insider loans 1,998 2,123 1,701 1,836 1,862 Chart
FHLB advances 0 0 0 0 0 Chart
Loans and leases held for sale 0 0 0 0 0 Chart
Unused loan commitments 402 739 499 527 322 Chart
Tier one (core) capital 1,937 1,956 2,146 2,257 2,392 Chart
Tier 2 Risk-based capital 309 307 254 254 265 Chart
Total unused commitments 402 739 499 527 322 Chart
Derivatives 0 0 0 0 0 Chart

Income and Expenses

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total interest income 715 458 217 895 668 Chart
Total interest expense 98 65 31 132 103 Chart
Net interest income 617 393 186 763 565 Chart
Provision for loan and lease losses 0 0 0 35 35 Chart
Total noninterest income 77 13 53 441 423 Chart
Gross Fiduciary activities income 0 0 0 0 0 Chart
Service charges on deposit accounts 9 6 2 16 12 Chart
Trading account gains and fees 0 0 0 0 0 Chart
Additional Noninterest Income 68 7 51 425 411 Chart
Total noninterest expense 1,014 707 350 1,484 1,133 Chart
Salaries and employee benefits 478 324 161 746 563 Chart
Premises and equipment expense 86 56 33 128 89 Chart
Additional noninterest expense 450 327 156 610 481 Chart
Pre-tax net operating income -320 -301 -111 -315 -180 Chart
Securities gains (losses) 0 0 0 0 0 Chart
Applicable income taxes 0 0 0 0 0 Chart
Income before extraordinary items -320 -301 -111 -315 -180 Chart
Extraordinary gains, net 0 0 0 0 0 Chart
Net income -320 -301 -111 -315 -180 Chart
Minority interest net income 0 0 0 0 0 Chart
Net income of bank and minority interests -320 -301 -111 -315 -180 Chart
Net charge-offs 0 0 0 85 84 Chart
Cash dividends 0 0 0 0 0 Chart
Sale, conversion, retirement of capital stock, net 0 0 0 0 0 Chart
Net operating income -320 -301 -111 -315 -180 Chart

Securities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total securities 0 0 0 0 0 Chart
U.S. Government securities 0 0 0 0 0 Chart
U.S. Treasury securities 0 0 0 0 0 Chart
U.S. Government agency obligations 0 0 0 0 0 Chart
Securities issued by states & political subdivisions 0 0 0 0 0 Chart
Other domestic debt securities 0 0 0 0 0 Chart
Privately issued residential mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage-backed securities - Total 0 0 0 0 0 Chart
Asset backed securities 0 0 0 0 0 Chart
Structured financial products - Total 0 0 0 0 0 Chart
Other domestic debt securities - All other 0 0 0 0 0 Chart
Foreign debt securities 0 0 0 0 0 Chart
Equity securities 0 0 0 0 0 Chart
Assets held in trading accounts for TFR Reporters 0 0 0 0 0 Chart
General valuation allowances for securities for TFR Reporters 0 0 0 0 0 Chart
Memoranda
Pledged securities 0 0 0 0 0 Chart
Mortgage-backed securities 0 0 0 0 0 Chart
Certificates of participation in pools of residential mortgages 0 0 0 0 0 Chart
Issued or guaranteed by U.S. 0 0 0 0 0 Chart
Privately issued 0 0 0 0 0 Chart
Collaterized mortgage obligations 0 0 0 0 0 Chart
CMOs issued by government agencies or sponsored agencies 0 0 0 0 0 Chart
Privately issued 0 0 0 0 0 Chart
Commercial mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage pass-through securities 0 0 0 0 0 Chart
Other commercial mortgage-backed securities 0 0 0 0 0 Chart
Held to maturity securities (book value) 0 0 0 0 0 Chart
Available-for-sale securities (fair market value) 0 0 0 0 0 Chart
Total debt securities 0 0 0 0 0 Chart
Structured Notes
Amortized cost 0 0 0 0 0 Chart
Fair value 0 0 0 0 0 Chart
Trading account assets 0 0 0 0 0 Chart
Revaluation gains on off-balance sheet contracts 0 0 0 0 0 Chart
Revaluation losses on off-balance sheet contracts 0 0 0 0 0 Chart

Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 4.59% 4.46% 4.22% 4.09% 3.95% Chart
Cost of funding earning assets 0.63% 0.63% 0.60% 0.60% 0.61% Chart
Net interest margin 3.96% 3.83% 3.62% 3.48% 3.34% Chart
Noninterest income to average assets 0.39% 0.10% 0.83% 1.61% 2.00% Chart
Noninterest expense to average assets 5.16% 5.47% 5.48% 5.41% 5.36% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.13% 0.17% Chart
Net operating income to assets -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Return on assets (ROA) -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Pretax return on assets -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Return on Equity (ROE) -20.57% -28.40% -20.17% -15.41% -12.06% Chart
Retained earnings to average equity (YTD only) -20.57% -28.40% -20.17% -15.41% -12.06% Chart
Net charge-offs to loans 0.00% 0.00% 0.00% 0.46% 0.61% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 41.18% 41.67% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% -3.29% -1.73% Chart
Efficiency ratio 146.11% 174.14% 146.44% 123.26% 114.68% Chart
Assets per employee ($millions) 3.39% 2.94% 2.98% 2.71% 2.89% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 2.54% 2.65% 2.61% 2.80% 2.67% Chart
Loan loss allowance to noncurrent loans 0.00% 0.00% 33.24% 29.96% 30.02% Chart
Noncurrent assets plus other real estate owned to assets 11.96% 13.10% 15.09% 17.37% 16.41% Chart
Noncurrent loans to loans 0.00% 0.00% 7.84% 9.34% 8.89% Chart
Net loans and leases to total assets 70.77% 69.59% 69.93% 71.44% 70.25% Chart
Net loans and leases to deposits 76.48% 75.50% 76.13% 78.77% 77.51% Chart
Net loans and leases to core deposits 76.48% 76.29% 76.91% 79.68% 78.34% Chart
Total domestic deposits to total assets 92.54% 92.17% 91.86% 90.69% 90.63% Chart
Equity capital to assets 7.13% 7.40% 8.01% 9.27% 9.18% Chart
Core capital (leverage) ratio 7.20% 7.30% 8.33% 8.91% 8.92% Chart
Tier 1 risk-based capital ratio 7.88% 8.08% 10.18% 11.10% 11.25% Chart
Total risk-based capital ratio 9.14% 9.34% 11.38% 12.35% 12.50% Chart
Memoranda
Average total assets 26,176 25,852 25,569 27,430 28,198 Chart
Average earning assets 20,790 20,548 20,547 21,907 22,543 Chart
Average equity 2,074 2,120 2,202 2,044 1,990 Chart
Average loans 18,933 18,672 18,565 18,329 18,436 Chart