PackageTrendsPeer
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East Penn Bank

Emmaus, PA · Cert 33526

FDIC

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

East Penn Bank

Emmaus, PA · Cert 33526

FDIC

Q3 2007

$436.9MAssets
$337.7MLoans
$373.0MDeposits
$30.9MEquity
Loan mix
82%RE $220.1M18%C&I $47.5M1%Consumer $1.4MQ3 2006Q3 2007
Deposit mix
96%Interest-bearing $358.5M4%Noninterest $14.4MQ3 2006Q3 2007

NIM

5.00%Q3 ’055.49%Q3 ’065.84%Q3 ’07-3%-5%

Non-interest income vs. expense

2.54%Q3 ’052.60%Q3 ’062.60%Q3 ’07+5%+1%

Executive Summary

  • Earnings: ROA of 0.82%, down 12 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 90.55% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.82%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-16 bps YoY

Efficiency Ratio (YTD, annualized)

70.90%+337 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.93%0.96%0.90%0.85%0.82%-12 bps
Return on Equity13.49%13.90%13.08%12.36%11.74%-175 bps
Net Interest Margin3.28%3.20%3.09%3.08%3.12%-16 bps
Efficiency Ratio67.53%66.69%67.39%69.57%70.90%+337 bps
Non-Interest Burden2.03%1.92%1.91%1.97%2.05%+2 bps
Growth
Asset Growth (YoY)8.51%8.73%12.77%4.86%3.22%-529 bps
Loan Growth (YoY)15.48%9.75%11.03%7.92%6.64%-883 bps
Deposit Growth (YoY)15.73%14.90%16.17%6.54%4.81%-1,092 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.06%-0.03%0.03%0.05%-1 bps
Allowance / Loans1.02%1.01%1.01%0.99%1.01%-1 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 Capital10.16%10.18%10.05%10.00%9.96%-20 bps
Equity / Assets6.93%6.96%6.84%6.95%7.07%+14 bps
Liquidity & Funding
Loans / Deposits88.99%86.72%86.14%89.16%90.55%+156 bps
Liquid Assets / Assets0.33%0.00%0.38%0.61%0.56%+24 bps
CRE / Total Capitaln/an/an/an/an/an/an/a