Noah Bank

Noah Bank is headquartered in Elkins Park and is the 170^th largest bank in the state of Pennsylvania. It is also the 4,549^th largest bank in the nation. It was established in 2006 and as of September of 2011, it had grown to 48 employees at 5 locations. Noah Bank's money market rates are 2X the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Noah Bank FDIC Certificate # 58196 BankRate Report View Year Established 2006 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $116.42 million Loans $72.74 million Deposits $103.49 million Equity Capital $11.99 million Loan Loss Allowance $157,000 Unbacked Noncurrent Loans $2.41 million Real Estate Owned $430,000 Historic Data - September 2010 Assets $87.01 million Equity Capital $12.00 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $7.48 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.58% Return on Equity 5.1% Interest Income $3.73 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 September 30, 2011 Noah Bank had $2.84 million in non-current loans and owned real-estate with $12.15 million in equity and loan loss allowances on hand to cover it. This gives Noah Bank a Texas Ratio of 23.34% 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 decreased significantly from 51.36% as of September 30, 2010 to 23.34% as of September 30, 2011, resulting in a positive change of 54.55%.This indicates that the balance sheet and financial strength for Noah Bank has improved significantly in recent periods. Deposit Growth In the past year, Noah Bank has increased its total deposits by $29.4 million, resulting in 39.68% 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 $116.42 million in assets with $12.15 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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