FDIC Certificate #: 7646 Status: Active Federal Reserve ID: 144913 Bank Holding Company (Regulatory Top Holder): Neffs Bancorp, Inc. (RSSDID: 1140097, Location: Neffs, PA) Date Established: April 03, 1923 WWW:http://www.neffsnatl.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 4952 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 3257 Main Street, Neffs, PA 18065 County: Lehigh Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240) Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900) CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
Financial Summary
Total assets: $286.2 mil Equity capital: $47.6 mil Deposits held in domestic offices: $237.6 mil Return on assets (ROA): 1.40% ($4.0 mil) Quarterly return on assets: 1.47% ($4.2 mil) Return on Equity (ROE): 8.41% ($4.0 mil) Quarterly return on equity: 8.85% ($4.2 mil) Net income: $3.9 mil Quarterly Net income: $1.0 mil Pretax return on assets: 1.82% ($5,208.3 mil) Quarterly Pretax return on assets: 1.90% ($5,437.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
32Total employees (full-time equivalent)
$286,170Total assets
$9,138Cash and due from depository institutions
$135Interest-bearing balances
$142,870Securities
$0Federal funds sold & reverse repurchase agreements
$128,801Net loans & leases
$1,334Loan loss allowance
$0Trading account assets
$2,059Bank premises and fixed assets
$242Other real estate owned
$0Goodwill and other intangibles
$286,170Life insurance assets
$3,060All other assets
$238,528Total liabilities and capital
$237,579Total liabilities
$214,978Total deposits
$237,579Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$949Subordinated debt
$47,642All other liabilities
$47,642Total equity capital
$47,642Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$500Surplus
$46,942Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,802Income earned, not collected on loans
$0Earning assets
$1,653Long-term assets (5+ years)
$271,806Average Assets, year-to-date
$177,731Average Assets, quarterly
$281,472Volatile liabilities
$284,318Insider loans
$150,126FHLB advances
$285,237Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$47,550Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,767Restructured Loans and leases
$1,008Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$13,125Total interest income
$4,304Total interest expense
$8,821Net interest income
$224Provision for loan and lease losses
$233Total noninterest income
$0Fiduciary activities
$116Service charges on deposit accounts
$0Trading account gains & fees
$117Additional noninterest income
$3,655Total noninterest expense
$1,689Salaries and employee benefits
$503Premises and equipment expense
$1,463Additional noninterest expense
$5,175Pre-tax net operating income
-$48Securities gains (losses)
$1,186Applicable income taxes
$3,941Income before extraordinary items
$0Extraordinary gains - net
$3,941Net income attributable to bank
$0Net charge-offs
$3,941Cash dividends
$4Sale, conversion, retirement of capital stock, net
$2,609Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.61%Cost of funding earning assets
3.29%Net interest margin
0.09%Noninterest income to earning assets
1.36%Noninterest expense to earning assets
1.41%Net operating income to assets
1.40%Return on assets (ROA)
1.82%Pretax return on assets
8.41%Return on equity (ROE)
2.84%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
5600.00%Credit loss provision to net charge-offs
1349.75%Efficiency ratio
40,369Assets per employee
8.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.20%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
47.61%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
2.15%Net loans and leases to deposits
54.21%Net loans and leases to core deposits
56.37%Equity capital to assets
16.65%Core capital (leverage) ratio
16.67%Tier 1 risk-based capital ratio
31.67%Total risk-based capital ratio
Memoranda
$33Average assets
$281,472Average earning assets
$46,844Average equity
$267,800Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4952
The Neffs National Bank
3257 Main Street, Neffs, PA 18065
April 03, 1923
Full Service Brick and Mortar
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