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Penn Liberty Bank

Wayne, PA · Cert 57844

FDIC · 11 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Penn Liberty Bank

Wayne, PA · Cert 57844

FDIC · 11 branches

Q2 2016

$717.7MAssets
$503.8MLoans
$638.9MDeposits
$56.5MEquity
Loan mix
76%RE $309.7M24%C&I $96.4M0%Consumer $0.2MQ3 2014Q2 2016
Deposit mix
55%Interest-bearing $352.5M45%Noninterest $286.4MQ3 2014Q2 2016

Return on Assets (YTD, annualized)

0.48%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-1 bps YoY

Efficiency Ratio (YTD, annualized)

75.64%-207 bps YoY

Tier 1 Leverage Ratio

8.44%-177 bps YoY

NIM

3.96%Q2 ’143.61%Q2 ’153.56%Q2 ’16-6%0%

Non-interest income vs. expense

3.15%Q2 ’142.88%Q2 ’152.82%Q2 ’16-4%-4%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Return on Assets0.46%0.49%0.41%0.44%0.51%0.36%0.50%0.48%+4 bps
Net Interest Margin3.48%3.43%3.39%3.32%3.26%3.07%3.14%3.31%-1 bps
Non-Interest Burden2.55%2.50%2.60%2.49%2.40%2.45%2.22%2.40%-9 bps
Loan Growth (YoY)9.39%6.52%6.67%4.90%4.40%3.62%2.73%-0.30%-520 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.23%1.23%1.20%1.20%1.16%1.14%1.15%-6 bps
Tier 1 Leverage Ration/an/a10.48%10.21%10.04%9.34%7.90%8.44%-177 bps
Equity / Assets10.29%10.66%10.14%9.97%9.96%9.18%7.94%7.87%-210 bps
Liquid Assets / Assets11.06%8.81%13.78%13.14%14.05%10.30%20.83%23.79%+1,064 bps