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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    044429First Star Bank418 West Broad Street, Bethlehem, PA 18018January 01, 1874Full Service Brick and Mortar
    100285289370 South Walnut Street Branch370 South Walnut Street, Bath, PA 18014January 01, 1874Full Service Brick and Mortar
    10228529114 & S Main St Branch14 & S Main St, Nazareth, PA 18064June 30, 1989Full Service Brick and Mortar
    103285292Allentown Branch471-497 Wabash Street, Allentown, PA 18103November 15, 1994Full Service Brick and Mortar
    104285293Alburtis Branch11 North Main Street, Alburtis, PA 18011April 01, 1997Full Service Brick and Mortar
    105261116Wind Gap Branch1430 Jacobsburg Road, Wind Gap, PA 18091June 26, 1999Full Service Brick and Mortar
    106436686Moravian Village TowerMoravian Village Tower, Wood Street, Bethlehem, PA 18018January 25, 2005Full Service Brick and Mortar
    108478552New Tripoli Branch6302 Route 309, New Tripoli, PA 18066June 23, 2008Full Service Brick and Mortar
    109517815Easton Branch2415 Park Avenue, Easton, PA 18045Febuary 28, 2011Full Service Brick and Mortar

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