National Penn Bancshares, Inc. - Investor Relations

Financial Highlights

NATIONAL PENN BANCSHARES, INC. (NASDAQ - NPBC)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	6,190,405	6,189,567	0.01	6,283,523	(5.93)
Loans Held for Sale, before Reserves	9,279	5,317	74.52	23,326	(240.88)
Loan Loss Reserve	125,490	83,696	49.94	98,313	110.57
Net Loans Receivable	6,074,194	6,111,188	(0.61)	6,208,536	(8.66)
Intangible Assets	588,643	585,038	0.62	589,618	(0.66)
Total Assets	9,740,310	9,316,795	4.55	9,757,913	(0.72)
Deposits	6,798,662	6,220,643	9.29	6,811,654	(0.76)
Debt, Senior and Subordinated	1,550,893	1,973,435	(21.41)	1,655,405	(25.25)
Common Equity	1,215,368	1,046,013	16.19	1,072,106	53.45
Total Shareholders' Equity	1,360,106	1,046,013	30.03	1,216,623	47.17
Shares Outstanding (actual)	125,658,738	79,886,282	57.30	95,507,091	126.28

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	65,198	66,948	(2.61)	60,876	28.40
Provision for Loan Losses	52,000	6,876	656.25	37,500	154.67
Noninterest Income	21,955	35,000	(37.27)	28,337	(90.09)
Noninterest Expense	52,152	54,087	(3.58)	58,027	(40.50)
Net Income Before Taxes	(103,091)	22,835	NM	(17,761)	1,921.74
Provision for Taxes	(40,000)	3,607	NM	(10,213)	1,166.63
Net Income	(63,091)	19,228	NM	(7,548)	2,943.46

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	9.67	13.09	(26.13)	11.23	(55.57)
Tangible Book Value	4.99	5.77	(13.56)	5.05	(5.34)
Diluted EPS Before Extra	(0.65)	0.23	NM	(0.11)	1,963.64
Diluted EPS After Extra	(0.65)	0.23	NM	(0.11)	1,963.64
Dividends Declared	0.0500	0.1700	(70.59)	0.0500	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	(2.57)	0.83	(340)	(0.31)	(226)
ROAE	(20.01)	7.29	(2,730)	(2.52)	(1,749)
Net Interest Margin	3.31	3.52	(21)	3.19	12
Loans / Deposits	91.05	99.50	(845)	92.25	(119)
Efficiency Ratio	54.07	48.45	562	59.13	(506)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.43	5.28	315	6.84	159
Equity/ Assets	13.96	11.23	274	12.47	150
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.21	0.30	91	1.25	(4)
Loan Loss Reserves/ Gross Loans	2.02	1.35	67	1.56	47
Loan Loss Reserves/ NPAs	106.50	300.92	(19,443)	80.86	2,563
Net Charge-offs/ Avg Loans	1.58	0.31	127	1.60	(2)

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	12.46	9.34	312	11.31	115

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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