Five Star Bank

Five Star Bank is headquartered in Warsaw and is the 27^th largest bank in the state of New York. It is also the 271^st largest bank in the nation. It was established in 1881 and as of December of 2012, it had grown to 615 employees at 52 locations. Five Star Bank has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Five Star Bank FDIC Certificate # 659 BankRate Report View Year Established 1881 Employees 615 Primary Regulator FED Assets and Liabilities Assets $2.76 billion Loans $1.68 billion Deposits $2.27 billion Equity Capital $245.78 million Loan Loss Allowance $24.71 million Unbacked Noncurrent Loans $5.30 million Real Estate Owned $184,000 Historic Data - December 2011 Assets $2.33 billion Equity Capital $222.95 million Loan Loss Allowance $23.26 million Unbacked Noncurrent Loans $6.05 million Real Estate Owned $475,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.96% Return on Equity 10.41% Interest Income $98.10 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 December 31, 2012 Five Star Bank had $5.48 million in non-current loans and owned real-estate with $270.49 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank a Texas Ratio of 2.03% 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 Five Star Bank held steady from 1.51% as of December 31, 2011 to 2.03% as of December 31, 2012, resulting in a negative change of 33.96%. This indicates that the balance sheet and financial strength for Five Star Bank has held steady in recent periods. Deposit Growth In the past year, Five Star Bank has increased its total deposits by $327.11 million, resulting in 16.85% 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 Five Star 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. Five Star Bank has $2.76 billion in assets with $270.49 million in equity, resulting in a capitalization level of 9.80%, which is average.

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