First Keystone National Bank

First Keystone National Bank is headquartered in Berwick and is the 40^th largest bank in the state of Pennsylvania. It is also the 792^nd largest bank in the nation. It was established in 1864 and as of March of 2012, it had grown to 194 employees at 15 locations. First Keystone National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Keystone Community Bank FDIC Certificate # 7404 BankRate Report View Year Established 1864 Employees 194 Primary Regulator FDIC Assets and Liabilities Assets $830.52 million Loans $414.22 million Deposits $642.62 million Equity Capital $99.34 million Loan Loss Allowance $5.96 million Unbacked Noncurrent Loans $4.66 million Real Estate Owned $780,000 Historic Data - March 2011 Assets $815.97 million Equity Capital $83.48 million Loan Loss Allowance $5.86 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 1.29% Return on Equity 10.92% Interest Income $8.91 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Keystone National Bank had $5.44 million in non-current loans and owned real-estate with $105.3 million in equity and loan loss allowances on hand to cover it. This gives First Keystone National Bank a Texas Ratio of 5.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Keystone National Bank decreased slightly from 6.24% as of March 31, 2011 to 5.16% as of March 31, 2012, resulting in a positive change of 17.21%.This indicates that the balance sheet and financial strength for First Keystone National Bank has improved slightly in recent periods. Deposit Growth In the past year, First Keystone National Bank has increased its total deposits by $13.25 million, resulting in 2.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Keystone National Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Keystone National Bank has $830.52 million in assets with $105.3 million in equity, resulting in a capitalization level of 12.68%, which is excellent.

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