PackageTrendsPeer
Letter portraitLegal landscape

National Penn Investors Trust Company

Wyomissing, PA · Cert 33915

FDIC

Q2 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: Q2 2015, the quarter ended June 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

National Penn Investors Trust Company

Wyomissing, PA · Cert 33915

FDIC

Q2 2015

$13.5MAssets
n/aLoans
n/aDeposits
$12.4MEquity

NIM

0.46%Q2 ’130.27%Q2 ’140.24%Q2 ’15-42%-8%

Non-interest income vs. expense

92.20%Q2 ’1391.88%Q2 ’1485.03%Q2 ’15-49%-8%

Executive Summary

  • Earnings: ROA of 33.63%, up 443 bps year over year; NIM at 0.24%.
  • Capital: tier 1 leverage ratio of 83.94%.

Financial Results

Return on Assets (YTD, annualized)

33.63%+443 bps YoY

Net Interest Margin (YTD, annualized)

0.24%-2 bps YoY

Efficiency Ratio (YTD, annualized)

63.70%-346 bps YoY

Tier 1 Leverage Ratio

83.94%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets29.20%28.48%27.76%30.89%33.63%+443 bps
Return on Equity37.38%36.93%36.27%40.80%41.49%+411 bps
Net Interest Margin0.27%0.23%0.22%0.27%0.24%-2 bps
Efficiency Ratio67.16%66.32%67.61%65.24%63.70%-346 bps
Non-Interest Burden-44.67%-40.63%-37.33%-49.11%-48.21%-354 bps
Growth
Asset Growth (YoY)2.06%19.32%10.03%9.63%-10.49%-1,254 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a82.67%83.94%n/a
Total Risk-Based Capital256%254%231%249%294%+3,772 bps
Equity / Assets77.16%74.81%73.97%77.36%92.15%+1,499 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets34.33%30.48%37.98%35.96%38.56%+422 bps
CRE / Total Capitaln/an/an/an/an/an/an/a