Harleysville National Bank and Trust Company, The

Harleysville, PA · Cert 7516

FDIC

Q1 2010

$5.1BAssets

$2.8BLoans

$3.9BDeposits

$384.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -0.50%, down 91 bps year over year; NIM at 2.22%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.52%.
Funding: loans stand at 72.12% of deposits as of Q1 2010.

Return on Assets (quarter, annualized)

-0.50%-91 bps YoY

Net Interest Margin (quarter, annualized)

2.22%-41 bps YoY

Efficiency Ratio (quarter, annualized)

87.50%+1,586 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2009	Q2 2009	Q3 2009	Q4 2009	Q1 2010	YoY Δ	Trend
Earnings
Return on Assets	0.41%	-16.35%	-0.37%	0.47%	-0.50%	-91 bps
Return on Equity	4.09%	-202%	-5.79%	6.74%	-6.69%	-1,079 bps
Net Interest Margin	2.63%	2.49%	2.54%	2.40%	2.22%	-41 bps
Efficiency Ratio	71.63%	71.45%	80.46%	79.05%	87.50%	+1,586 bps
Non-Interest Burden	1.66%	16.83%	1.91%	1.77%	1.92%	+26 bps
Growth
Asset Growth (YoY)	45.23%	34.54%	30.99%	-5.43%	-8.66%	-5,390 bps
Loan Growth (YoY)	45.68%	37.46%	28.01%	-18.77%	-21.24%	-6,692 bps
Deposit Growth (YoY)	38.62%	39.58%	30.58%	0.15%	-4.84%	-4,346 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.44%	1.71%	0.96%	2.02%	1.52%	+107 bps
Allowance / Loans	1.47%	2.05%	2.38%	2.23%	2.43%	+96 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	9.07%	8.95%	9.15%	11.65%	12.00%	+292 bps
Equity / Assets	9.77%	6.26%	6.54%	7.54%	7.47%	-230 bps
Liquidity & Funding
Loans / Deposits	87.14%	85.86%	82.31%	75.75%	72.12%	-1,502 bps
Liquid Assets / Assets	6.26%	7.53%	10.97%	12.64%	17.24%	+1,099 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a