401k Plan data: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN plan

STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 401k Plan overview

Plan Name	STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN
Plan identification number	003

STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Plan sponsor(s) received services of leased employees, as defined in Code section 414(n), during the plan year.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).
Life insurance

401k Sponsoring company profile

STERLING BANCORP AND SUBSIDIARIES has sponsored the creation of one or more 401k plans.

Company Name: STERLING BANCORP AND SUBSIDIARIES

Employer identification number (EIN): 132565216

NAIC Classification: 551111
NAIC Description: Offices of Bank Holding Companies

Form 5500 Filing Information

Submission information for form 5500 for 401k plan STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2013-01-01 JEAN STRELLA JEAN STRELLA 2014-09-16
003 2012-01-01 ELIZABETH DEBARO ELIZABETH DEBARO 2013-07-01
003 2011-01-01 ELIZABETH DEBARO ELIZABETH DEBARO 2012-08-22
003 2009-01-01 ELIZABETH DEBARO ELIZABETH DEBARO 2010-08-04
003 2009-01-01 ELIZABETH DEBARO ELIZABETH DEBARO 2010-07-16

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
003	2013-01-01	JEAN STRELLA	JEAN STRELLA	2014-09-16
003	2012-01-01	ELIZABETH DEBARO	ELIZABETH DEBARO	2013-07-01
003	2011-01-01	ELIZABETH DEBARO	ELIZABETH DEBARO	2012-08-22
003	2009-01-01	ELIZABETH DEBARO	ELIZABETH DEBARO	2010-08-04
003	2009-01-01	ELIZABETH DEBARO	ELIZABETH DEBARO	2010-07-16

Plan Statistics for STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN

401k plan membership statisitcs for STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN

Measure Date Value
2013: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 666
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 533
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 88
Total of all active and inactive participants 2013-01-01 621
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 3
Total participants 2013-01-01 624
Number of participants with account balances 2013-01-01 562
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 48
2012: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 652
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 578
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 81
Total of all active and inactive participants 2012-01-01 659
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 3
Total participants 2012-01-01 662
Number of participants with account balances 2012-01-01 574
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 34
2011: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 651
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 540
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 87
Total of all active and inactive participants 2011-01-01 627
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 5
Total participants 2011-01-01 632
Number of participants with account balances 2011-01-01 531
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 37
2009: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 866
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 560
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 420
Total of all active and inactive participants 2009-01-01 980
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 4
Total participants 2009-01-01 984
Number of participants with account balances 2009-01-01 534
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 98

Measure	Date	Value
2013: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	666
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	533
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	88
Total of all active and inactive participants	2013-01-01	621
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	3
Total participants	2013-01-01	624
Number of participants with account balances	2013-01-01	562
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	48
2012: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	652
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	578
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	81
Total of all active and inactive participants	2012-01-01	659
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	3
Total participants	2012-01-01	662
Number of participants with account balances	2012-01-01	574
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	34
2011: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	651
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	540
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	87
Total of all active and inactive participants	2011-01-01	627
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	5
Total participants	2011-01-01	632
Number of participants with account balances	2011-01-01	531
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	37
2009: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	866
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	560
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	420
Total of all active and inactive participants	2009-01-01	980
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	4
Total participants	2009-01-01	984
Number of participants with account balances	2009-01-01	534
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	98

Financial Data on STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN

Measure	Date	Value
2013 : STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2013 401k financial data
Unrealized appreciation/depreciation of real estate assets	2013-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$-718,655
Total unrealized appreciation/depreciation of assets	2013-12-31	$-718,655
Total transfer of assets to this plan	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$12,861,842
Total loss/gain on sale of assets	2013-12-31	$3,867,636
Total of all expenses incurred	2013-12-31	$4,564,740
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$4,544,587
Expenses. Certain deemed distributions of participant loans	2013-12-31	$0
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$4,273,886
Value of total assets at end of year	2013-12-31	$39,871,388
Value of total assets at beginning of year	2013-12-31	$31,574,286
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$20,153
Total income from rents	2013-12-31	$0
Total interest from all sources	2013-12-31	$44,339
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$183,230
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$32,574
Administrative expenses professional fees incurred	2013-12-31	$0
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Amount of non-exempt transactions with any party-in-interest	2013-12-31	$0
Contributions received from participants	2013-12-31	$3,270,965
Participant contributions at end of year	2013-12-31	$659,000
Participant contributions at beginning of year	2013-12-31	$664,099
Participant contributions at end of year	2013-12-31	$400
Participant contributions at beginning of year	2013-12-31	$97
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$513,581
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2013-12-31	$2,063
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$0
Other income not declared elsewhere	2013-12-31	$200
Administrative expenses (other) incurred	2013-12-31	$1
Liabilities. Value of operating payables at beginning of year	2013-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$8,297,102
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$39,871,388
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$31,574,286
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2013-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2013-12-31	$0
Investment advisory and management fees	2013-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$2,948,712
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,639,048
Value of interest in pooled separate accounts at end of year	2013-12-31	$25,539,948
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$18,836,800
Interest on participant loans	2013-12-31	$34,757
Income. Interest from loans (other than to participants)	2013-12-31	$0
Interest earned on other investments	2013-12-31	$9,582
Income. Interest from US Government securities	2013-12-31	$0
Income. Interest from corporate debt instruments	2013-12-31	$0
Value of interest in common/collective trusts at end of year	2013-12-31	$3,898,318
Value of interest in common/collective trusts at beginning of year	2013-12-31	$3,149,678
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$810,620
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$1,001,795
Expenses. Payments to insurance carriers foe the provision of benefits	2013-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$352,107
Net investment gain/loss from pooled separate accounts	2013-12-31	$4,878,169
Net investment gain or loss from common/collective trusts	2013-12-31	$-19,070
Net gain/loss from 103.12 investment entities	2013-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$5,525,050
Assets. Invements in employer securities at beginning of year	2013-12-31	$3,841,858
Contributions received in cash from employer	2013-12-31	$489,340
Employer contributions (assets) at end of year	2013-12-31	$489,340
Employer contributions (assets) at beginning of year	2013-12-31	$440,911
Income. Dividends from preferred stock	2013-12-31	$0
Income. Dividends from common stock	2013-12-31	$150,656
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$4,542,524
Contract administrator fees	2013-12-31	$20,152
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$0
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$8,084,406
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$4,216,770
Liabilities. Value of acquisition indebtedness at beginning of year	2013-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	BERARD & DONOHUE
Accountancy firm EIN	2013-12-31	133774222
2012 : STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2012 401k financial data
Unrealized appreciation/depreciation of real estate assets	2012-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$160,038
Total unrealized appreciation/depreciation of assets	2012-12-31	$160,038
Total transfer of assets to this plan	2012-12-31	$0
Total transfer of assets from this plan	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$6,701,012
Total loss/gain on sale of assets	2012-12-31	$23,120
Total of all expenses incurred	2012-12-31	$2,131,002
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$2,114,945
Expenses. Certain deemed distributions of participant loans	2012-12-31	$0
Value of total corrective distributions	2012-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$3,501,022
Value of total assets at end of year	2012-12-31	$31,574,286
Value of total assets at beginning of year	2012-12-31	$27,004,276
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$16,057
Total income from rents	2012-12-31	$0
Total interest from all sources	2012-12-31	$55,027
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$229,188
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$42,902
Administrative expenses professional fees incurred	2012-12-31	$0
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Amount of non-exempt transactions with any party-in-interest	2012-12-31	$0
Contributions received from participants	2012-12-31	$3,009,081
Participant contributions at end of year	2012-12-31	$664,099
Participant contributions at beginning of year	2012-12-31	$706,468
Participant contributions at end of year	2012-12-31	$97
Participant contributions at beginning of year	2012-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2012-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2012-12-31	$5,629
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$51,706
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2012-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$0
Other income not declared elsewhere	2012-12-31	$15,194
Administrative expenses (other) incurred	2012-12-31	$10
Liabilities. Value of operating payables at beginning of year	2012-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$4,570,010
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$31,574,286
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$27,004,276
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2012-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2012-12-31	$0
Investment advisory and management fees	2012-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$3,639,048
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$4,867,339
Value of interest in pooled separate accounts at end of year	2012-12-31	$18,836,800
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$16,419,955
Interest on participant loans	2012-12-31	$37,844
Income. Interest from loans (other than to participants)	2012-12-31	$0
Interest earned on other investments	2012-12-31	$17,183
Income. Interest from US Government securities	2012-12-31	$0
Income. Interest from corporate debt instruments	2012-12-31	$0
Value of interest in common/collective trusts at end of year	2012-12-31	$3,149,678
Value of interest in common/collective trusts at beginning of year	2012-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$1,001,795
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$1,094,200
Expenses. Payments to insurance carriers foe the provision of benefits	2012-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$332,282
Net investment gain/loss from pooled separate accounts	2012-12-31	$2,281,907
Net investment gain or loss from common/collective trusts	2012-12-31	$103,234
Net gain/loss from 103.12 investment entities	2012-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$3,841,858
Assets. Invements in employer securities at beginning of year	2012-12-31	$3,558,211
Contributions received in cash from employer	2012-12-31	$440,235
Employer contributions (assets) at end of year	2012-12-31	$440,911
Employer contributions (assets) at beginning of year	2012-12-31	$352,474
Income. Dividends from preferred stock	2012-12-31	$0
Income. Dividends from common stock	2012-12-31	$186,286
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$2,114,945
Contract administrator fees	2012-12-31	$16,047
Liabilities. Value of benefit claims payable at beginning of year	2012-12-31	$0
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$315,976
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$292,856
Liabilities. Value of acquisition indebtedness at beginning of year	2012-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	EISNER AMPER LLP
Accountancy firm EIN	2012-12-31	131639826
2011 : STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2011 401k financial data
Unrealized appreciation/depreciation of real estate assets	2011-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-663,023
Total unrealized appreciation/depreciation of assets	2011-12-31	$-663,023
Total transfer of assets to this plan	2011-12-31	$0
Total transfer of assets from this plan	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$2,609,104
Total loss/gain on sale of assets	2011-12-31	$-79,404
Total of all expenses incurred	2011-12-31	$1,700,982
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,686,147
Expenses. Certain deemed distributions of participant loans	2011-12-31	$0
Value of total corrective distributions	2011-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$3,592,868
Value of total assets at end of year	2011-12-31	$27,004,276
Value of total assets at beginning of year	2011-12-31	$26,096,154
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$14,835
Total income from rents	2011-12-31	$0
Total interest from all sources	2011-12-31	$59,803
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$154,986
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$45,134
Administrative expenses professional fees incurred	2011-12-31	$0
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Amount of non-exempt transactions with any party-in-interest	2011-12-31	$0
Contributions received from participants	2011-12-31	$2,851,000
Participant contributions at end of year	2011-12-31	$706,468
Participant contributions at beginning of year	2011-12-31	$774,062
Participant contributions at end of year	2011-12-31	$0
Participant contributions at beginning of year	2011-12-31	$74,362
Assets. Other investments not covered elsewhere at end of year	2011-12-31	$5,629
Assets. Other investments not covered elsewhere at beginning of year	2011-12-31	$5,333
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$388,870
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2011-12-31	$644
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$0
Other income not declared elsewhere	2011-12-31	$1,848
Administrative expenses (other) incurred	2011-12-31	$7
Liabilities. Value of operating payables at beginning of year	2011-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$908,122
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$27,004,276
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$26,096,154
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2011-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2011-12-31	$0
Investment advisory and management fees	2011-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$4,867,339
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$4,340,998
Value of interest in pooled separate accounts at end of year	2011-12-31	$16,419,955
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$15,453,408
Interest on participant loans	2011-12-31	$37,215
Income. Interest from loans (other than to participants)	2011-12-31	$0
Interest earned on other investments	2011-12-31	$22,588
Income. Interest from US Government securities	2011-12-31	$0
Income. Interest from corporate debt instruments	2011-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$1,094,200
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$898,925
Expenses. Payments to insurance carriers foe the provision of benefits	2011-12-31	$363
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-220,924
Net investment gain/loss from pooled separate accounts	2011-12-31	$-237,050
Net investment gain or loss from common/collective trusts	2011-12-31	$0
Net gain/loss from 103.12 investment entities	2011-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$3,558,211
Assets. Invements in employer securities at beginning of year	2011-12-31	$4,234,152
Contributions received in cash from employer	2011-12-31	$352,998
Employer contributions (assets) at end of year	2011-12-31	$352,474
Employer contributions (assets) at beginning of year	2011-12-31	$314,914
Income. Dividends from preferred stock	2011-12-31	$0
Income. Dividends from common stock	2011-12-31	$109,852
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,685,140
Contract administrator fees	2011-12-31	$14,828
Liabilities. Value of benefit claims payable at beginning of year	2011-12-31	$0
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$497,047
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$576,451
Liabilities. Value of acquisition indebtedness at beginning of year	2011-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	EISNERAMPER LLP
Accountancy firm EIN	2011-12-31	131639826
2010 : STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2010 401k financial data
Unrealized appreciation/depreciation of real estate assets	2010-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$1,254,401
Total unrealized appreciation/depreciation of assets	2010-12-31	$1,254,401
Total transfer of assets to this plan	2010-12-31	$0
Total transfer of assets from this plan	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$7,011,767
Total loss/gain on sale of assets	2010-12-31	$54,782
Total of all expenses incurred	2010-12-31	$1,751,768
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,729,207
Expenses. Certain deemed distributions of participant loans	2010-12-31	$0
Value of total corrective distributions	2010-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$3,213,247
Value of total assets at end of year	2010-12-31	$26,096,154
Value of total assets at beginning of year	2010-12-31	$20,836,155
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$22,561
Total income from rents	2010-12-31	$0
Total interest from all sources	2010-12-31	$73,124
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$178,701
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$37,844
Administrative expenses professional fees incurred	2010-12-31	$0
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Amount of non-exempt transactions with any party-in-interest	2010-12-31	$0
Contributions received from participants	2010-12-31	$2,629,549
Participant contributions at end of year	2010-12-31	$774,062
Participant contributions at beginning of year	2010-12-31	$700,399
Participant contributions at end of year	2010-12-31	$74,362
Participant contributions at beginning of year	2010-12-31	$80,929
Assets. Other investments not covered elsewhere at end of year	2010-12-31	$5,333
Assets. Other investments not covered elsewhere at beginning of year	2010-12-31	$7,554
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$268,784
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2010-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$0
Other income not declared elsewhere	2010-12-31	$4,540
Administrative expenses (other) incurred	2010-12-31	$15
Liabilities. Value of operating payables at beginning of year	2010-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$5,259,999
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$26,096,154
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$20,836,155
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2010-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2010-12-31	$0
Investment advisory and management fees	2010-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$4,340,998
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$3,526,721
Value of interest in pooled separate accounts at end of year	2010-12-31	$15,453,408
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$12,839,121
Interest on participant loans	2010-12-31	$45,652
Income. Interest from loans (other than to participants)	2010-12-31	$0
Interest earned on other investments	2010-12-31	$27,472
Income. Interest from US Government securities	2010-12-31	$0
Income. Interest from corporate debt instruments	2010-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$898,925
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$838,645
Expenses. Payments to insurance carriers foe the provision of benefits	2010-12-31	$424
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$542,083
Net investment gain/loss from pooled separate accounts	2010-12-31	$1,690,889
Net investment gain or loss from common/collective trusts	2010-12-31	$0
Net gain/loss from 103.12 investment entities	2010-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$4,234,152
Assets. Invements in employer securities at beginning of year	2010-12-31	$2,827,276
Contributions received in cash from employer	2010-12-31	$314,914
Employer contributions (assets) at end of year	2010-12-31	$314,914
Employer contributions (assets) at beginning of year	2010-12-31	$15,510
Income. Dividends from preferred stock	2010-12-31	$0
Income. Dividends from common stock	2010-12-31	$140,857
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,728,783
Contract administrator fees	2010-12-31	$22,546
Liabilities. Value of benefit claims payable at beginning of year	2010-12-31	$0
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$304,398
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$249,616
Liabilities. Value of acquisition indebtedness at beginning of year	2010-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	EISNERAPMER LLP
Accountancy firm EIN	2010-12-31	131639826
2009 : STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN

2013: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	Yes
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	Yes
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Potentially related plans

STERLING BANCORP/STERLING NATIONAL BANK 401(K) PLAN [EIN = 131726107]

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Company Name:	STERLING BANCORP AND SUBSIDIARIES
Employer identification number (EIN):	132565216
NAIC Classification:	551111
NAIC Description:	Offices of Bank Holding Companies