Operator was going back to boat ramp after a day of fishing to pull vessel out of water. While up on plane, operator stated he needed to steer  left around a point or out-cropping rocks  but when operator went  to steer away he couldn't. The steering system was locked up and he stated he could not slow  down in time to keep from impacting the lake bank. The vessel hit the bank at a glancing blow down the entire right side of the vessel. The vessel came to rest 4-6 feet from the bank. Then all passengers were pulled from the boat and water onto the lake bank. The boat then began to take on water. Cell phones where used to call for help. Operator stated he had little to no boating experience, and no type of boating education. All persons on board were not wearing pfd's. No alcohol was involved, and vessel was  a total loss.
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