First Star Bank

First Star Bank is headquartered in Bethlehem and is the 83^rd largest bank in the state of Pennsylvania. It is also the 1,555^th largest bank in the nation. It was established in 1874 and as of March of 2012, it had grown to 59 employees at 9 locations. First Star Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Star Bank FDIC Certificate # 31595 BankRate Report View Year Established 1874 Employees 59 Primary Regulator FDIC Assets and Liabilities Assets $428.42 million Loans $213.33 million Deposits $334.94 million Equity Capital $35.20 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $389,000 Historic Data - March 2011 Assets $446.00 million Equity Capital $35.35 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $4.79 million Real Estate Owned $5.28 million Profit Margin - Quarterly Net Interest Margin 2.13% Return on Assets 0.19% Return on Equity 2.28% Interest Income $3.54 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 Star Bank had $5.95 million in non-current loans and owned real-estate with $37.37 million in equity and loan loss allowances on hand to cover it. This gives First Star Bank a Texas Ratio of 15.91% 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 Star Bank decreased significantly from 26.63% as of March 31, 2011 to 15.91% as of March 31, 2012, resulting in a positive change of 40.24%.This indicates that the balance sheet and financial strength for First Star Bank has improved significantly in recent periods. Deposit Growth In the past year, First Star Bank has decreased its total deposits by -$2.35 million, resulting in -0.7% 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 Star Bank has shown is 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 Star Bank has $428.42 million in assets with $37.37 million in equity, resulting in a capitalization level of 8.72%, which is average.

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