PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Penn Investors Trust Company

Wyomissing, PA · Cert 33915

FDIC

Q2 2015

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

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%.

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%

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%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets21.42%22.89%26.79%29.20%28.48%27.76%30.89%33.63%+443 bps
Return on Equity27.01%28.98%34.06%37.38%36.93%36.27%40.80%41.49%+411 bps
Net Interest Margin0.39%0.40%0.30%0.27%0.23%0.22%0.27%0.24%-2 bps
Efficiency Ratio73.21%72.40%70.95%67.16%66.32%67.61%65.24%63.70%-346 bps
Non-Interest Burden-32.07%-38.30%-43.04%-44.67%-40.63%-37.33%-49.11%-48.21%-354 bps
Growth
Asset Growth (YoY)17.42%-5.14%-0.79%2.06%19.32%10.03%9.63%-10.49%-1,254 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a82.67%83.94%n/a
Total Risk-Based Capital285%230%230%256%254%231%249%294%+3,772 bps
Equity / Assets85.34%77.65%79.63%77.16%74.81%73.97%77.36%92.15%+1,499 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets36.18%41.58%39.22%34.33%30.48%37.98%35.96%38.56%+422 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a