First Resource Bank

First Resource Bank is headquartered in Exton and is the 155^th largest bank in the state of Pennsylvania. It is also the 3,997^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 17 employees at 1 location. First Resource Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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First Resource Bank Money Market Rates

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Data for Q1 2012

Institution Statistics First Resource Bank FDIC Certificate # 57967 BankRate Report View Year Established 2005 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $143.17 million Loans $121.33 million Deposits $125.00 million Equity Capital $15.42 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $1.16 million Historic Data - March 2011 Assets $130.92 million Equity Capital $14.70 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $2.63 million Real Estate Owned $1.72 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.7% Return on Equity 6.37% Interest Income $1.71 million

Institution Health Overall Score: 4 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 Resource Bank had $4.2 million in non-current loans and owned real-estate with $16.86 million in equity and loan loss allowances on hand to cover it. This gives First Resource Bank a Texas Ratio of 24.89% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Resource Bank held steady from 26.98% as of March 31, 2011 to 24.89% as of March 31, 2012, resulting in a positive change of 7.75%.This indicates that the balance sheet and financial strength for First Resource Bank has held steady in recent periods. Deposit Growth In the past year, First Resource Bank has increased its total deposits by $10.62 million, resulting in 9.28% 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 Resource Bank has shown is excellent. 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 Resource Bank has $143.16 million in assets with $16.86 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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