First Star Bank in city_name, state_name - Detailed Financial Reports, Location

First Star Bank in Bethlehem, Pennsylvania (PA)
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First Star Bank routing number info

First Star Bank - Overview

General
FDIC Certificate #: 31595
Status: Active
Federal Reserve ID: 497972
Bank Holding Company (Regulatory Top Holder): First Star Bancorp, Inc. (RSSDID: 2161165, Location: Bethlehem, PA)
Date Established: January 01, 1874
WWW: http://www.firststarbank.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 7232
FDIC's unique #: 44429
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: November 29, 1971
Last Structure Change Effective Date: March 31, 2008
Last Structure Change Process Date: March 31, 2008
Last Data Update: March 31, 2008
Data Source Date: April 05, 2012
Location
Address: 418 West Broad Street, Bethlehem, PA 18018
County: Lehigh
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Philadelphia
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
History of Changes
Name Change
Financial Summary
Total assets: $421.5 mil
Equity capital: $34.6 mil
Deposits held in domestic offices: $323.9 mil
Return on assets (ROA): -0.03% (-$0.1 mil)
Quarterly return on assets: -0.12% (-$0.5 mil)
Return on Equity (ROE): -0.42% (-$0.1 mil)
Quarterly return on equity: -1.51% (-$0.5 mil)
Net income: -$0.1 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -0.17% (-$716.5 mil)
Quarterly Pretax return on assets: -0.31% (-$1,306.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
63Total employees (full-time equivalent)
$421,472Total assets
$73,506Cash and due from depository institutions
$72,292Interest-bearing balances
$108,636Securities
$0Federal funds sold & reverse repurchase agreements
$208,349Net loans & leases
$2,235Loan loss allowance
$0Trading account assets
$2,163Bank premises and fixed assets
$638Other real estate owned
$175Goodwill and other intangibles
$421,472Life insurance assets
$28,005All other assets
$386,911Total liabilities and capital
$323,861Total liabilities
$309,667Total deposits
$323,861Interest-bearing deposits
$95Deposits held in domestic offices
4093.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$56,256Trading liabilities
$0Other borrowed funds
$2,701Subordinated debt
$34,561All other liabilities
$34,561Total equity capital
$34,561Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$13,974Surplus
$20,587Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,123Income earned, not collected on loans
$0Earning assets
$1,163Long-term assets (5+ years)
$389,277Average Assets, year-to-date
$109,290Average Assets, quarterly
$441,739Volatile liabilities
$421,217Insider loans
$271,987FHLB advances
$418,764Loans and leases held for sale
$3,677Unused loan commitments
$3,677Tier 1 (core) risk-based capital
$35,425Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,708Restructured Loans and leases
$2,641Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,289Total interest income
$6,642Total interest expense
$8,647Net interest income
$0Provision for loan and lease losses
$1,434Total noninterest income
$0Fiduciary activities
$279Service charges on deposit accounts
$0Trading account gains & fees
$1,155Additional noninterest income
$7,706Total noninterest expense
$4,005Salaries and employee benefits
$893Premises and equipment expense
$2,808Additional noninterest expense
$2,375Pre-tax net operating income
-$3,116Securities gains (losses)
-$594Applicable income taxes
-$147Income before extraordinary items
$0Extraordinary gains - net
-$147Net income attributable to bank
$0Net charge-offs
-$147Cash dividends
$236Sale, conversion, retirement of capital stock, net
$490Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.77%Yield on earning assets
1.64%Cost of funding earning assets
2.13%Net interest margin
0.35%Noninterest income to earning assets
1.90%Noninterest expense to earning assets
0.42%Net operating income to assets
-0.03%Return on assets (ROA)
-0.17%Pretax return on assets
-0.42%Return on equity (ROE)
-1.83%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
10.06%Efficiency ratio
76,441Assets per employee
6.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
-333.33%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
43.63%Noncurrent assets plus other real estate owned to assets
1.37%Noncurrent loans to loans
2.43%Net loans and leases to deposits
64.33%Net loans and leases to core deposits
67.14%Equity capital to assets
8.20%Core capital (leverage) ratio
8.46%Tier 1 risk-based capital ratio
13.02%Total risk-based capital ratio
Memoranda
$14Average assets
$441,739Average earning assets
$34,841Average equity
$405,256Average loans

List of branches

9 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	44429	First Star Bank	418 West Broad Street, Bethlehem, PA 18018	January 01, 1874	Full Service Brick and Mortar
100	285289	370 South Walnut Street Branch	370 South Walnut Street, Bath, PA 18014	January 01, 1874	Full Service Brick and Mortar
102	285291	14 & S Main St Branch	14 & S Main St, Nazareth, PA 18064	June 30, 1989	Full Service Brick and Mortar
103	285292	Allentown Branch	471-497 Wabash Street, Allentown, PA 18103	November 15, 1994	Full Service Brick and Mortar
104	285293	Alburtis Branch	11 North Main Street, Alburtis, PA 18011	April 01, 1997	Full Service Brick and Mortar
105	261116	Wind Gap Branch	1430 Jacobsburg Road, Wind Gap, PA 18091	June 26, 1999	Full Service Brick and Mortar
106	436686	Moravian Village Tower	Moravian Village Tower, Wood Street, Bethlehem, PA 18018	January 25, 2005	Full Service Brick and Mortar
108	478552	New Tripoli Branch	6302 Route 309, New Tripoli, PA 18066	June 23, 2008	Full Service Brick and Mortar
109	517815	Easton Branch	2415 Park Avenue, Easton, PA 18045	Febuary 28, 2011	Full Service Brick and Mortar

First Star Bank in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Star Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Star Bank in Bethlehem, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Star Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Star Bank in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches