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Eagle National Bank

Upper Darby, PA · Cert 26947

FDIC · 5 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Eagle National Bank

Upper Darby, PA · Cert 26947

FDIC · 5 branches

Q3 2015

$185.0MAssets
$127.5MLoans
$157.5MDeposits
$25.3MEquity
Loan mix
82%RE $80.6M18%C&I $17.6M0%Consumer $0.1MQ3 2014Q3 2015
Deposit mix
75%Interest-bearing $117.9M25%Noninterest $39.6MQ3 2014Q3 2015

NIM

4.20%Q3 ’133.96%Q3 ’143.96%Q3 ’15-4%+2%

Non-interest income vs. expense

4.02%Q3 ’133.96%Q3 ’143.55%Q3 ’15-2%-7%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.0% share · #73 of 133 inst. · $0.1B of $437.1B

0.7% Delaware
0.2% Chester
0.1% Montgomery

Executive Summary

  • Earnings: ROA of 0.30%, up 9 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 13.85%.
  • Funding: loans stand at 80.95% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.30%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+6 bps YoY

Efficiency Ratio (YTD, annualized)

89.02%-785 bps YoY

Tier 1 Leverage Ratio

13.85%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.21%0.14%0.21%0.28%0.30%+9 bps
Return on Equity1.61%1.11%1.54%2.03%2.20%+59 bps
Net Interest Margin3.58%3.64%3.60%3.67%3.64%+6 bps
Efficiency Ratio96.87%97.01%91.57%90.54%89.02%-785 bps
Non-Interest Burden3.53%3.59%3.35%3.37%3.27%-26 bps
Growth
Asset Growth (YoY)-0.82%2.57%-4.38%-6.99%-3.75%-292 bps
Loan Growth (YoY)-2.18%-8.36%-4.70%-1.49%-2.91%-73 bps
Deposit Growth (YoY)-1.70%-2.07%-5.55%-7.71%-4.02%-232 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.24%0.02%0.14%0.09%-23 bps
Allowance / Loans1.64%1.74%1.74%1.67%1.67%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a13.57%13.95%13.85%n/a
Total Risk-Based Capital19.92%20.84%19.94%19.54%19.56%-36 bps
Equity / Assets12.97%12.79%13.86%14.22%13.67%+70 bps
Liquidity & Funding
Loans / Deposits80.02%79.15%81.94%85.55%80.95%+93 bps
Liquid Assets / Assets12.40%1.91%6.83%2.27%8.07%-433 bps
CRE / Total Capitaln/an/an/an/an/an/an/a