PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.0MQ2 2009Q1 2011
Deposit mix
95%Interest-bearing $130.6M5%Noninterest $7.2MQ2 2009Q1 2011

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.56%0.54%0.77%0.71%0.57%0.56%+2 bps
Return on Equity3.56%3.85%5.16%4.92%7.03%6.47%5.26%5.12%+20 bps
Net Interest Margin3.05%2.94%3.06%3.29%3.38%3.41%3.24%3.31%+2 bps
Efficiency Ratio81.98%79.46%73.56%71.54%66.26%66.90%72.56%73.32%+178 bps
Non-Interest Burden2.45%2.28%2.09%2.28%2.12%2.17%2.27%2.38%+9 bps
Growth
Asset Growth (YoY)8.04%12.16%12.63%10.02%7.76%8.63%4.98%6.87%-315 bps
Loan Growth (YoY)8.92%10.50%7.47%13.40%11.94%9.53%4.98%1.63%-1,177 bps
Deposit Growth (YoY)9.39%13.75%22.89%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.07%0.14%0.00%0.20%0.17%0.28%0.01%+1 bps
Allowance / Loans1.11%1.12%1.28%1.27%1.29%1.37%1.26%1.29%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital15.30%15.17%14.84%14.61%14.14%14.77%14.75%14.89%+28 bps
Equity / Assets10.62%10.94%10.75%11.05%10.86%10.97%10.87%10.99%-6 bps
Liquidity & Funding
Loans / Deposits90.10%91.86%92.90%97.44%93.36%88.77%89.25%88.64%-880 bps
Liquid Assets / Assets0.07%0.38%0.36%0.21%0.18%0.03%0.21%0.14%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a