Noah Bank

Noah Bank is headquartered in Elkins Park and is the 130^th largest bank in the state of Pennsylvania. It is also the 2,787^th largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 62 employees at 4 locations. Noah Bank's money market rates are 59% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Noah Bank FDIC Certificate # 58196 BankRate Report View Year Established 2006 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $228.89 million Loans $158.94 million Deposits $207.13 million Equity Capital $20.25 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $3.30 million Real Estate Owned $1.02 million Historic Data - December 2011 Assets $165.96 million Equity Capital $12.58 million Loan Loss Allowance $378,000 Unbacked Noncurrent Loans $2.23 million Real Estate Owned $430,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.74% Return on Equity 21.82% Interest Income $9.31 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Noah Bank had $4.31 million in non-current loans and owned real-estate with $23.5 million in equity and loan loss allowances on hand to cover it. This gives Noah Bank a Texas Ratio of 18.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Noah Bank held steady from 20.53% as of December 31, 2011 to 18.35% as of December 31, 2012, resulting in a positive change of 10.64%.This indicates that the balance sheet and financial strength for Noah Bank has held steady in recent periods. Deposit Growth In the past year, Noah Bank has increased its total deposits by $54.74 million, resulting in 35.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Noah Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Noah Bank has $228.89 million in assets with $23.5 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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