Home > The Harleysville National Bank and Trust Company > Performance and Condition Ratios
The Harleysville National Bank and Trust Company, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 7,331 |
| Cost of funding earning assets | 1.6707% | 2,535 |
| Net interest margin | 2.4753% | 7,490 |
| Noninterest income to average assets | 0.8516% | 1,806 |
| Noninterest expense to average assets | 2.7574% | 4,662 |
| Loan and lease loss provision to assets | 1.0381% | 1,192 |
| Net operating income to assets | -0.5594% | 6,869 |
| Return on assets (ROA) | -0.5024% | 6,856 |
| Pretax return on assets | -0.6631% | 6,879 |
| Return on Equity (ROE) | -6.6924% | 6,968 |
| Retained earnings to average equity (ytd only) | -6.6924% | 6,707 |
| Net charge-offs to loans | 1.4779% | 1,170 |
| Credit loss provision to net charge-offs | 124.1776% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.3589% | 4,718 |
| Efficiency ratio | 87.4978% | 1,640 |
| Assets per employee ($millions) | 5.0749% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4309% | 1,388 |
| Loan loss allowance to noncurrent loans | 51.9125% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.6428% | 2,755 |
| Noncurrent loans to loans | 4.6827% | 1,581 |
| Net loans and leases to total assets | 53.9963% | 6,022 |
| Net loans and leases to deposits | 70.3700% | 5,290 |
| Net loans and leases to core deposits | 71.9700% | 5,715 |
| Total domestic deposits to total assets | 76.7320% | 6,617 |
| Equity capital to assets | 7.4733% | 7,094 |
| Core capital (leverage) ratio | 6.9394% | 7,287 |
| Tier 1 risk-based capital ratio | 10.7333% | 6,405 |
| Total risk-based capital ratio | 11.9852% | 6,389 |
| Memoranda: | ||
| Average total assets | $5,163,215,500 | 169 |
| Average earning assets | $4,600,934,000 | 167 |
| Average equity | $387,603,500 | 215 |
| Average total loans | $2,920,612,500 | 187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 6,941 |
| Cost of funding earning assets | 1.9897% | 3,004 |
| Net interest margin | 2.8160% | 7,034 |
| Noninterest income to average assets | 1.1494% | 1,166 |
| Noninterest expense to average assets | 6.8890% | 215 |
| Loan and lease loss provision to assets | 1.0942% | 2,086 |
| Net operating income to assets | -4.0834% | 7,619 |
| Return on assets (ROA) | -4.0237% | 7,606 |
| Pretax return on assets | -4.2350% | 7,580 |
| Return on Equity (ROE) | -49.7482% | 7,682 |
| Retained earnings to average equity (ytd only) | -50.8365% | 7,681 |
| Net charge-offs to loans | 1.2263% | 2,012 |
| Credit loss provision to net charge-offs | 140.0062% | 3,482 |
| Earnings coverage of net charge-offs (x) | -4.0993% | 7,086 |
| Efficiency ratio | 75.3831% | 3,637 |
| Assets per employee ($millions) | 5.0690% | 2,127 |
| Cash dividends to net income (ytd only)* | -2.1877% | 7,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2256% | 1,598 |
| Loan loss allowance to noncurrent loans | 50.7276% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.5792% | 2,719 |
| Noncurrent loans to loans | 4.3873% | 1,632 |
| Net loans and leases to total assets | 56.4958% | 5,890 |
| Net loans and leases to deposits | 74.0680% | 5,028 |
| Net loans and leases to core deposits | 83.0314% | 5,815 |
| Total domestic deposits to total assets | 76.2755% | 6,627 |
| Equity capital to assets | 7.5405% | 6,998 |
| Core capital (leverage) ratio | 7.0142% | 7,223 |
| Tier 1 risk-based capital ratio | 10.3920% | 6,504 |
| Total risk-based capital ratio | 11.6507% | 6,468 |
| Memoranda: | ||
| Average total assets | $5,330,215,200 | 162 |
| Average earning assets | $4,800,173,600 | 159 |
| Average equity | $431,119,400 | 201 |
| Average total loans | $3,396,751,800 | 168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 6,853 |
| Cost of funding earning assets | 2.0491% | 3,125 |
| Net interest margin | 2.8642% | 6,928 |
| Noninterest income to average assets | 1.1937% | 1,087 |
| Noninterest expense to average assets | 8.2236% | 147 |
| Loan and lease loss provision to assets | 1.3381% | 1,445 |
| Net operating income to assets | -5.5305% | 7,889 |
| Return on assets (ROA) | -5.4797% | 7,884 |
| Pretax return on assets | -5.7292% | 7,889 |
| Return on Equity (ROE) | -66.6598% | 7,920 |
| Retained earnings to average equity (ytd only) | -68.0776% | 7,923 |
| Net charge-offs to loans | 1.0121% | 1,950 |
| Credit loss provision to net charge-offs | 202.9040% | 2,198 |
| Earnings coverage of net charge-offs (x) | -6.7386% | 6,874 |
| Efficiency ratio | 74.3160% | 3,814 |
| Assets per employee ($millions) | 4.9951% | 2,150 |
| Cash dividends to net income (ytd only)* | -2.1269% | 7,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3777% | 1,198 |
| Loan loss allowance to noncurrent loans | 50.8887% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9804% | 2,324 |
| Noncurrent loans to loans | 4.6723% | 1,473 |
| Net loans and leases to total assets | 61.5496% | 5,319 |
| Net loans and leases to deposits | 80.3560% | 4,329 |
| Net loans and leases to core deposits | 90.8244% | 5,358 |
| Total domestic deposits to total assets | 76.5961% | 6,447 |
| Equity capital to assets | 6.5405% | 7,753 |
| Core capital (leverage) ratio | 5.8348% | 7,828 |
| Tier 1 risk-based capital ratio | 7.8947% | 7,809 |
| Total risk-based capital ratio | 9.1550% | 7,818 |
| Memoranda: | ||
| Average total assets | $5,367,646,000 | 171 |
| Average earning assets | $4,845,988,000 | 167 |
| Average equity | $441,240,250 | 202 |
| Average total loans | $3,497,595,250 | 175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 6,564 |
| Cost of funding earning assets | 2.1386% | 3,096 |
| Net interest margin | 2.9263% | 6,745 |
| Noninterest income to average assets | 1.2287% | 1,026 |
| Noninterest expense to average assets | 10.7314% | 104 |
| Loan and lease loss provision to assets | 1.4387% | 1,209 |
| Net operating income to assets | -8.1308% | 8,081 |
| Return on assets (ROA) | -7.9362% | 8,067 |
| Pretax return on assets | -8.1168% | 8,056 |
| Return on Equity (ROE) | -90.6880% | 8,063 |
| Retained earnings to average equity (ytd only) | -92.6597% | 8,064 |
| Net charge-offs to loans | 1.0466% | 1,710 |
| Credit loss provision to net charge-offs | 208.8124% | 2,194 |
| Earnings coverage of net charge-offs (x) | -9.9811% | 6,525 |
| Efficiency ratio | 71.5410% | 4,499 |
| Assets per employee ($millions) | 4.9371% | 2,159 |
| Cash dividends to net income (ytd only)* | -2.1742% | 7,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 1,485 |
| Loan loss allowance to noncurrent loans | 51.4614% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.6684% | 2,405 |
| Noncurrent loans to loans | 3.9743% | 1,713 |
| Net loans and leases to total assets | 64.7413% | 4,827 |
| Net loans and leases to deposits | 84.1035% | 3,862 |
| Net loans and leases to core deposits | 95.6922% | 4,936 |
| Total domestic deposits to total assets | 76.9781% | 6,337 |
| Equity capital to assets | 6.2628% | 7,876 |
| Core capital (leverage) ratio | 5.6028% | 7,973 |
| Tier 1 risk-based capital ratio | 7.7002% | 7,941 |
| Total risk-based capital ratio | 8.9566% | 7,954 |
| Memoranda: | ||
| Average total assets | $5,438,561,000 | 178 |
| Average earning assets | $4,880,505,330 | 175 |
| Average equity | $475,935,000 | 198 |
| Average total loans | $3,580,095,330 | 178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 6,434 |
| Cost of funding earning assets | 2.1879% | 3,228 |
| Net interest margin | 2.9756% | 6,543 |
| Noninterest income to average assets | 1.1330% | 1,151 |
| Noninterest expense to average assets | 2.7921% | 4,587 |
| Loan and lease loss provision to assets | 0.5127% | 2,419 |
| Net operating income to assets | 0.3601% | 5,020 |
| Return on assets (ROA) | 0.4060% | 5,013 |
| Pretax return on assets | 0.5258% | 4,997 |
| Return on Equity (ROE) | 4.0940% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.0012% | 5,242 |
| Net charge-offs to loans | 0.4398% | 2,354 |
| Credit loss provision to net charge-offs | 177.4041% | 2,442 |
| Earnings coverage of net charge-offs (x) | 3.3874% | 3,193 |
| Efficiency ratio | 71.6337% | 4,246 |
| Assets per employee ($millions) | 5.2555% | 1,792 |
| Cash dividends to net income (ytd only)* | 75.5453% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 3,157 |
| Loan loss allowance to noncurrent loans | 60.6666% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 3,539 |
| Noncurrent loans to loans | 2.4190% | 2,722 |
| Net loans and leases to total assets | 63.2365% | 5,116 |
| Net loans and leases to deposits | 85.8642% | 3,657 |
| Net loans and leases to core deposits | 99.5154% | 4,586 |
| Total domestic deposits to total assets | 73.6471% | 6,942 |
| Equity capital to assets | 9.7717% | 4,277 |
| Core capital (leverage) ratio | 6.0895% | 7,986 |
| Tier 1 risk-based capital ratio | 7.8252% | 8,029 |
| Total risk-based capital ratio | 9.0759% | 8,051 |
| Memoranda: | ||
| Average total assets | $5,556,004,500 | 173 |
| Average earning assets | $4,925,685,500 | 170 |
| Average equity | $550,955,500 | 174 |
| Average total loans | $3,650,509,500 | 176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 7,415 |
| Cost of funding earning assets | 2.5529% | 3,943 |
| Net interest margin | 2.8847% | 7,184 |
| Noninterest income to average assets | 1.0215% | 1,519 |
| Noninterest expense to average assets | 2.4204% | 6,327 |
| Loan and lease loss provision to assets | 0.3698% | 3,463 |
| Net operating income to assets | 0.6670% | 4,036 |
| Return on assets (ROA) | 0.6869% | 3,788 |
| Pretax return on assets | 0.8525% | 3,884 |
| Return on Equity (ROE) | 6.7892% | 3,626 |
| Retained earnings to average equity (ytd only) | 0.8936% | 4,695 |
| Net charge-offs to loans | 0.2145% | 4,063 |
| Credit loss provision to net charge-offs | 265.4220% | 1,747 |
| Earnings coverage of net charge-offs (x) | 8.5971% | 2,852 |
| Efficiency ratio | 65.3361% | 5,245 |
| Assets per employee ($millions) | 4.6861% | 2,349 |
| Cash dividends to net income (ytd only)* | 86.8373% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 3,448 |
| Loan loss allowance to noncurrent loans | 64.9547% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 3,342 |
| Noncurrent loans to loans | 2.0869% | 2,650 |
| Net loans and leases to total assets | 66.3609% | 4,781 |
| Net loans and leases to deposits | 92.1363% | 3,109 |
| Net loans and leases to core deposits | 107.1692% | 4,061 |
| Total domestic deposits to total assets | 72.0246% | 6,988 |
| Equity capital to assets | 10.0652% | 3,958 |
| Core capital (leverage) ratio | 7.8800% | 6,685 |
| Tier 1 risk-based capital ratio | 7.4217% | 8,139 |
| Total risk-based capital ratio | 8.5808% | 8,165 |
| Memoranda: | ||
| Average total assets | $4,209,645,600 | 202 |
| Average earning assets | $3,789,402,200 | 201 |
| Average equity | $425,897,200 | 216 |
| Average total loans | $2,733,800,400 | 214 |