PackageTrendsPeer
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North Penn Bank

Scranton, PA · Cert 31188

FDIC

Q1 2011

$164.6MAssets
$122.2MLoans
$137.8MDeposits
$18.1MEquity
Loan mix
93%RE $69.6M4%C&I $3.1M3%Consumer $2.0MQ1 2010Q1 2011
Deposit mix
95%Interest-bearing $130.6M5%Noninterest $7.2MQ1 2010Q1 2011

NIM

5.59%Q1 ’095.18%Q1 ’104.59%Q1 ’11-1%+1%

Non-interest income vs. expense

2.46%Q1 ’092.54%Q1 ’102.58%Q1 ’11+8%+4%

Executive Summary

  • Earnings: ROA of 0.56%, up 2 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 88.64% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.56%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+2 bps YoY

Efficiency Ratio (YTD, annualized)

73.32%+178 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.54%0.77%0.71%0.57%0.56%+2 bps
Return on Equity4.92%7.03%6.47%5.26%5.12%+20 bps
Net Interest Margin3.29%3.38%3.41%3.24%3.31%+2 bps
Efficiency Ratio71.54%66.26%66.90%72.56%73.32%+178 bps
Non-Interest Burden2.28%2.12%2.17%2.27%2.38%+9 bps
Growth
Asset Growth (YoY)10.02%7.76%8.63%4.98%6.87%-315 bps
Loan Growth (YoY)13.40%11.94%9.53%4.98%1.63%-1,177 bps
Deposit Growth (YoY)11.02%8.02%13.34%9.28%11.71%+69 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.20%0.17%0.28%0.01%+1 bps
Allowance / Loans1.27%1.29%1.37%1.26%1.29%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.61%14.14%14.77%14.75%14.89%+28 bps
Equity / Assets11.05%10.86%10.97%10.87%10.99%-6 bps
Liquidity & Funding
Loans / Deposits97.44%93.36%88.77%89.25%88.64%-880 bps
Liquid Assets / Assets0.21%0.18%0.03%0.21%0.14%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a