Harleysville Savings Bank in Harleysville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Harleysville Savings Bank - Overview

  • General
  • FDIC Certificate #: 31461
    Status: Active
    Federal Reserve ID: 139478
    Bank Holding Company (Regulatory Top Holder): Harleysville Savings Financial Corporation (RSSDID: 2861492, Location: Harleysville, PA)
    Date Established: January 01, 1915
    WWW: http://www.harleysvillesavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 7012
    FDIC's unique #: 44295
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 02, 1965
    Last Structure Change Effective Date: Febuary 05, 2007
    Last Structure Change Process Date: Febuary 05, 2007
    Last Data Update: Febuary 05, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 271 Main Street, Harleysville, PA 19438
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $840.4 mil
    Equity capital: $58.1 mil
    Deposits held in domestic offices: $539.0 mil
    Return on assets (ROA): 0.72% ($6.0 mil)
    Quarterly return on assets: 0.72% ($6.0 mil)
    Return on Equity (ROE): 10.85% ($6.3 mil)
    Quarterly return on equity: 10.45% ($6.1 mil)
    Net income: $6.1 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.97% ($8,152.0 mil)
    Quarterly Pretax return on assets: 1.05% ($8,824.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 115Total employees (full-time equivalent)
  • $840,410Total assets
  • $39,473Cash and due from depository institutions
  • $27,955Interest-bearing balances
  • $244,083Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $513,250Net loans & leases
  • $3,559Loan loss allowance
  • $0Trading account assets
  • $11,898Bank premises and fixed assets
  • $322Other real estate owned
  • $0Goodwill and other intangibles
  • $840,410Life insurance assets
  • $31,384All other assets
  • $782,334Total liabilities and capital
  • $538,973Total liabilities
  • $504,764Total deposits
  • $538,973Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 2738.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $238,706Trading liabilities
  • $0Other borrowed funds
  • $1,917Subordinated debt
  • $58,076All other liabilities
  • $58,076Total equity capital
  • $58,076Total bank equity capital
  • $0Perpetual preferred stock
  • $23Common stock
  • $8,401Surplus
  • $49,652Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,142Income earned, not collected on loans
  • $0Earning assets
  • $2,833Long-term assets (5+ years)
  • $785,288Average Assets, year-to-date
  • $598,682Average Assets, quarterly
  • $851,663Volatile liabilities
  • $840,936Insider loans
  • $462,009FHLB advances
  • $827,721Loans and leases held for sale
  • $13,663Unused loan commitments
  • $7,598Tier 1 (core) risk-based capital
  • $58,008Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,065Total unused commitments
  • $84,845Restructured Loans and leases
  • $974Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,341Total interest income
  • $18,027Total interest expense
  • $19,314Net interest income
  • $1,250Provision for loan and lease losses
  • $2,840Total noninterest income
  • $0Fiduciary activities
  • $571Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,269Additional noninterest income
  • $12,684Total noninterest expense
  • $7,586Salaries and employee benefits
  • $1,503Premises and equipment expense
  • $3,595Additional noninterest expense
  • $8,220Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,123Applicable income taxes
  • $6,097Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,097Net income attributable to bank
  • $0Net charge-offs
  • $6,097Cash dividends
  • $330Sale, conversion, retirement of capital stock, net
  • $2,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 2.26%Cost of funding earning assets
  • 2.42%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 1.59%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 10.85%Return on equity (ROE)
  • 6.58%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 378.79%Credit loss provision to net charge-offs
  • 28.70%Efficiency ratio
  • 57,254Assets per employee
  • 7.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.36%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 69.21%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 95.23%Net loans and leases to core deposits
  • 96.53%Equity capital to assets
  • 6.91%Core capital (leverage) ratio
  • 7.01%Tier 1 risk-based capital ratio
  • 12.56%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $851,663Average earning assets
  • $56,189Average equity
  • $797,880Average loans

List of branches

  • 8 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044295Harleysville Savings Bank271 Main Street, Harleysville, PA 19438January 01, 1915Full Service Brick and Mortar
    1284935Sumneytown Branch3090 Main Street, Sumneytown, PA 18084January 01, 1915Full Service Brick and Mortar
    100284936Norristown Branch2301 West Main Street, Norristown, PA 19403January 01, 1915Full Service Brick and Mortar
    101284937Hatfield Branch1550 Hatfield Valley Road, Hatfield, PA 19440January 01, 1915Full Service Brick and Mortar
    102361463Lansdale Branch640 East Main Street, Lansdale, PA 19446June 18, 2001Full Service Brick and Mortar
    103452182Upper Providence Branch1889 Ridge Pike, Royersford, PA 19468June 19, 2006Full Service Brick and Mortar
    104474347Arbour Square695 Main Street, Harleysville, PA 19438January 02, 2007
    105511424Souderton Branch41 N. County Line Road, Souderton, PA 18964April 01, 2010Full Service Brick and Mortar

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