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Harleysville National Bank and Trust Company, The

Harleysville, PA · Cert 7516

FDIC

Q1 2010

$5.1BAssets
$2.8BLoans
$3.9BDeposits
$384.6MEquity
Loan mix
85%RE $2.0B15%C&I $0.4B0%Consumer $0.0BQ2 2008Q1 2010
Deposit mix
87%Interest-bearing $3.4B13%Noninterest $0.5BQ2 2008Q1 2010

Executive Summary

  • 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 (YTD, annualized)

-0.50%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-41 bps YoY

Efficiency Ratio (YTD, annualized)

87.50%+1,586 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.40%Q1 ’084.57%Q1 ’093.72%Q1 ’100%-16%

Non-interest income vs. expense

2.39%Q1 ’082.79%Q1 ’092.77%Q1 ’10+25%+16%

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.85%0.82%0.69%0.41%-7.94%-5.48%-4.02%-0.50%-91 bps
Return on Equity8.26%8.10%6.79%4.09%-90.69%-66.66%-49.75%-6.69%-1,079 bps
Net Interest Margin2.70%2.69%2.53%2.63%2.55%2.70%2.61%2.22%-41 bps
Efficiency Ratio62.90%64.05%65.34%71.63%71.54%74.32%75.38%87.50%+1,586 bps
Non-Interest Burden1.34%1.39%1.36%1.66%9.24%7.33%5.90%1.92%+26 bps
Growth
Asset Growth (YoY)18.35%17.68%40.90%45.23%34.54%30.99%-5.43%-8.66%-5,390 bps
Loan Growth (YoY)20.17%21.15%49.76%45.68%37.46%28.01%-18.77%-21.24%-6,692 bps
Deposit Growth (YoY)14.19%17.40%31.92%38.62%39.58%30.58%0.15%-4.84%-4,346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.17%0.16%0.44%1.09%1.09%1.39%1.52%+107 bps
Allowance / Loans1.25%1.25%1.36%1.47%2.05%2.38%2.23%2.43%+96 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.40%10.42%8.58%9.07%8.95%9.15%11.65%12.00%+292 bps
Equity / Assets10.16%9.53%10.07%9.77%6.26%6.54%7.54%7.47%-230 bps
Liquidity & Funding
Loans / Deposits87.19%83.97%93.40%87.14%85.86%82.31%75.75%72.12%-1,502 bps
Liquid Assets / Assets1.43%1.37%1.37%6.26%7.53%10.97%12.64%17.24%+1,099 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a