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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

5.33%Q3 ’055.82%Q3 ’065.91%Q3 ’07-3%-5%

Non-interest income vs. expense

2.51%Q3 ’052.61%Q3 ’062.72%Q3 ’07+3%+7%

Executive Summary

  • Earnings: ROA of 0.74%, down 21 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 90.55% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.74%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.17%-16 bps YoY

Efficiency Ratio (quarter, annualized)

73.51%+650 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.95%1.05%0.90%0.80%0.74%-21 bps
Return on Equity13.89%15.16%13.08%11.62%10.52%-337 bps
Net Interest Margin3.33%3.17%3.09%3.10%3.17%-16 bps
Efficiency Ratio67.01%64.35%67.39%71.68%73.51%+650 bps
Non-Interest Burden2.04%1.74%1.91%2.05%2.19%+15 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 / Loans0.08%0.08%-0.03%0.09%0.08%+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