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January 2008
2007 Earnings Webcast
 
Filed by National Penn Bancshares, Inc.
pursuant to Rule 425 under the Securities Act of 1933, as amended

Subject Company: KNBT Bancorp, Inc.
Commission File No.: 333-146617
 
 
 
 
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#2 / January 2008
Safe Harbor Regarding
Forward Looking Statements
This presentation contains forward-looking information about National Penn Bancshares, Inc. that is intended to be
covered by the safe harbor for forward-looking statements provided by the Private Securities Litigation Reform Act
of 1995. Forward-looking statements are statements that are not historical facts. These statements can be
identified by the use of forward-looking terminology such as "believe," "expect," "may," "will," "should,'' "project,"
"plan,'' "seek," "intend,'' or "anticipate'' or the negative thereof or comparable terminology, and include discussions
of strategy, financial projections and estimates and their underlying assumptions, statements regarding plans,
objectives, expectations or consequences of announced transactions, and statements about the future
performance, operations, products and services of National Penn Bancshares and its subsidiaries. National Penn
Bancshares cautions readers not to place undue reliance on these statements.
National Penn Bancshares' business and operations are subject to a variety of risks, uncertainties and other
factors. Consequently, actual results and experience may materially differ from those contained in any forward-
looking statements. Such risks, uncertainties and other factors that could cause actual results and experience to
differ from those projected include, but are not limited to, the following: ineffectiveness of National Penn's business
strategy due to changes in current or future market conditions; the effects of competition, and of changes in laws
and regulations on competition, including industry consolidation and development of competing financial products
and services; interest rate movements; inability to achieve merger-related synergies; difficulties in integrating
distinct business operations, including information technology difficulties; disruption from announced transactions,
and resulting difficulties in maintaining relationships with customers and employees; and challenges in establishing
and maintaining operations in new markets. The foregoing review of important factors should be read in
conjunction with the other cautionary statements that are included in National Penn Bancshares' Annual Report on
Form 10-K for the fiscal year ended December 31, 2006, as well as in other documents filed by National Penn
Bancshares after the date thereof.   National Penn Bancshares makes no commitment to revise or update any
forward-looking statements in order to reflect events or circumstances occurring or existing after the date any
forward-looking statement is made.
 
 
 
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#3 / January 2008
Overview
(As of 12/31/2007)
•   Assets   $ 5.82 Billion
•   Deposits   $ 3.95 Billion
•   Loans   $ 3.88 Billion
•   Equity   $ 563.9 Million
 
 
 
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#4 / January 2008
*Per share information adjusted for a 3% stock dividend paid September 28, 2007.
Financial Highlights
4Q2007
        12/31/2007     12/31/2006*
Net Income     $16.71 million     $16.37 million   + 2.1%
Diluted EPS     $ 0.34       $ 0.33     + 3.0%
Cash Dividends   $ 0.1700     $ 0.1626     + 4.6%
 
 
 
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#5 / January 2008
  12/31/2007   12/31/2006*
Net Income   $65.23 million   $64.11 million   +   1.8%
Diluted EPS   $ 1.31   $ 1.29   +   1.6%
Cash Dividends   $ 0.6578   $ 0.6311   +   4.2%
ROE   11.95 %   12.64 %
ROA     1.16 %   1.24 %
*Per share information adjusted for a 3% stock dividend paid September 28, 2007.

Financial Highlights
Year-to-Date 2007
 
 
 
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#6 / January 2008
Reconciliation Table for Non-GAAP Financial Measure

  12/31/07
 
12/31/06
  Return on average shareholders' equity
 
11.95%
 
12.64%
  Effect of goodwill and intangibles
 
12.57%
 
14.42%
  Return on average tangible equity
 
24.52%
 
27.06%
Average tangible equity excludes merger-related average goodwill and intangibles: (000’s)
  Average shareholders' equity
 
$546,020
 
$507,084
  Average goodwill and intangibles
 
(280,013)
 
(270,200)
  Average tangible equity
 
$266,007
 
$236,884
Financial Highlights
Year-to-Date 2007
 
 
 
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#7 / January 2008
Additional Information About the
National Penn/KNBT Transaction:
National Penn has filed a registration statement on Form S-4 in connection with the
KNBT transaction, and National Penn and KNBT have mailed a joint proxy statement/
prospectus to their respective shareholders in connection with the transaction.
Shareholders and investors are urged to read the joint proxy
statement/prospectus   because it contains important information about
National Penn, KNBT and the transaction. You may obtain a free copy of the joint
proxy statement/ prospectus as well as other filings containing information about
National Penn and KNBT, at the SEC's web site at www.sec.gov . A free copy of the
joint proxy statement/prospectus, and the filings with the SEC that will be incorporated
by reference in the joint proxy statement/prospectus, may also be obtained from
National Penn or KNBT, by directing the request to either of the following persons:
Ms. Sandra L. Spayd                            Mr. Eugene Sobol
Corporate Secretary                         Senior Executive Vice President &
National Penn Bancshares, Inc.                      Chief Financial Officer
Philadelphia and Reading Avenues                  KNBT Bancorp, Inc.
Boyertown, PA   19512                        90 Highland Avenue
610-369-6202                         Bethlehem, PA 18017
                            (610) 807-5888 
 
 
 
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