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Lafayette Ambassador Bank

Easton, PA · Cert 11106

FDIC · 18 branches

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lafayette Ambassador Bank

Easton, PA · Cert 11106

FDIC · 18 branches

Q2 2019

$1.6BAssets
$1.0BLoans
$1.3BDeposits
$183.9MEquity
Loan mix
84%RE $587.3M14%C&I $100.0M2%Consumer $13.1MQ2 2018Q2 2019
Deposit mix
78%Interest-bearing $1.0B22%Noninterest $0.3BQ2 2018Q2 2019

NIM

3.48%Q2 ’173.51%Q2 ’183.67%Q2 ’19-1%-1%

Non-interest income vs. expense

2.61%Q2 ’172.70%Q2 ’182.63%Q2 ’19+16%-3%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2019 SOD (annual) · 7.6% share · #4 of 32 inst. · $1.3B of $17.4B

13.3% Northampton
6.3% Lehigh

Executive Summary

  • Earnings: ROA of 0.66%, down 42 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 1.81% of loans (+77 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.86%, down 12 bps from a year ago.
  • Funding: loans stand at 78.92% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.66%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-2 bps YoY

Efficiency Ratio (YTD, annualized)

67.09%-123 bps YoY

Tier 1 Leverage Ratio

10.86%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.02%0.76%0.66%-42 bps
Return on Equity9.65%10.11%9.18%6.87%5.84%-381 bps
Net Interest Margin3.13%3.04%3.09%3.13%3.11%-2 bps
Efficiency Ratio68.32%67.29%68.18%65.88%67.09%-123 bps
Non-Interest Burden1.85%1.74%1.81%1.81%1.79%-6 bps
Growth
Asset Growth (YoY)0.13%-2.31%0.13%5.96%3.44%+331 bps
Loan Growth (YoY)-10.55%-7.33%-5.90%-5.35%-2.92%+763 bps
Deposit Growth (YoY)0.57%-2.87%-0.11%5.61%2.61%+204 bps
Asset Quality
Nonperforming Loans / Loans1.03%0.93%0.96%0.96%1.81%+77 bps
Net Charge-Offs / Loans0.05%0.04%0.08%0.19%0.09%+5 bps
Allowance / Loans0.91%0.93%0.99%1.11%1.35%+44 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.2x0.7x-0.1x
Capital
Tier 1 Leverage Ratio10.98%10.76%10.87%10.65%10.86%-12 bps
Total Risk-Based Capital15.68%15.70%16.04%15.66%15.85%+17 bps
Equity / Assets11.40%10.90%11.28%10.93%11.66%+26 bps
Liquidity & Funding
Loans / Deposits83.41%78.44%79.90%76.22%78.92%-449 bps
Liquid Assets / Assets0.02%3.28%3.50%3.25%3.56%+353 bps
CRE / Total Capitaln/an/an/an/an/an/an/a