Penn Liberty Bank

Wayne, PA · Cert 57844

FDIC · 11 branches

Q2 2016

$717.7MAssets

$503.8MLoans

$638.9MDeposits

$56.5MEquity

Loan mix

Deposit mix

NIM

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.1% share · #35 of 128 inst. · $0.6B of $449.8B

3.3% Chester

0.7% Montgomery

Earnings: ROA of 0.48%, up 4 bps year over year; NIM at 3.31%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2015	Q3 2015	Q4 2015	Q1 2016	Q2 2016	YoY Δ	Trend
Earnings
Return on Assets	0.44%	0.51%	0.36%	0.50%	0.48%	+4 bps
Return on Equity	4.31%	4.97%	3.61%	5.81%	5.77%	+146 bps
Net Interest Margin	3.32%	3.26%	3.07%	3.14%	3.31%	-1 bps
Efficiency Ratio	77.71%	76.20%	82.12%	74.18%	75.64%	-207 bps
Non-Interest Burden	2.49%	2.40%	2.45%	2.22%	2.40%	-9 bps
Growth
Asset Growth (YoY)	10.99%	8.62%	19.92%	12.63%	12.29%	+130 bps
Loan Growth (YoY)	4.90%	4.40%	3.62%	2.73%	-0.30%	-520 bps
Deposit Growth (YoY)	9.87%	6.39%	21.11%	15.46%	14.81%	+493 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.20%	0.15%	0.16%	0.26%	0.23%	+3 bps
Allowance / Loans	1.20%	1.20%	1.16%	1.14%	1.15%	-6 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	10.21%	10.04%	9.34%	7.90%	8.44%	-177 bps
Total Risk-Based Capital	13.71%	13.72%	13.56%	11.66%	11.99%	-172 bps
Equity / Assets	9.97%	9.96%	9.18%	7.94%	7.87%	-210 bps
Liquidity & Funding
Loans / Deposits	90.81%	91.08%	81.97%	82.02%	78.86%	-1,195 bps
Liquid Assets / Assets	13.14%	14.05%	10.30%	20.83%	23.79%	+1,064 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a