The Harleysville National Bank and Trust Company in Harleysville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 2010

  • The Harleysville National Bank and Trust Company in Harleysville, Pennsylvania (PA)
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The Harleysville National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 7516
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: First Niagara Bank, National Association (#16004)
    Federal Reserve ID: 284819
    Date Established: October 28, 1909
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 88 (Interstate: No)
    OTS Docket #: 12267
    FDIC's unique #: 4877
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 09, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 278 Main Street (Rt 63), 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: $5,145.9 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, 2009)

  • Dollar figures in thousands
  • 1,022Total employees (full-time equivalent)
  • $5,180,492Total assets
  • $682,667Cash and due from depository institutions
  • $629,624Interest-bearing balances
  • $1,060,534Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,926,758Net loans & leases
  • $66,620Loan loss allowance
  • $0Trading account assets
  • $47,161Bank premises and fixed assets
  • $2,286Other real estate owned
  • $43,374Goodwill and other intangibles
  • $94,650Life insurance assets
  • $417,712All other assets
  • $5,180,492Total liabilities and capital
  • $4,789,856Total liabilities
  • $3,951,448Total deposits
  • $3,420,965Interest-bearing deposits
  • $3,951,448Deposits held in domestic offices
  • 65.60%% insured (estimated)
  • $290,335Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $466,625Other borrowed funds
  • $0Subordinated debt
  • $81,448All other liabilities
  • $390,636Total equity capital
  • $390,636Total bank equity capital
  • $390,636Perpetual preferred stock
  • $0Common stock
  • $2,050Surplus
  • $421,080Undivided profits
  • Memoranda
  • $-32,494Noncurrent loans and leases
  • $677,388Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $131,329Earning assets
  • $0Long-term assets (5+ years)
  • $15,132Average Assets, year-to-date
  • $4,616,916Average Assets, quarterly
  • $1,754,936Volatile liabilities
  • $5,330,215Insider loans
  • $5,167,697FHLB advances
  • $790,469Loans and leases held for sale
  • $10,887Unused loan commitments
  • $461,024Tier 1 (core) risk-based capital
  • $308,165Tier 2 risk-based capital
  • $37,885Total risk weighted assets
  • $677,388Total unused commitments
  • $1,521Restructured Loans and leases
  • $43,617Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $230,680Total interest income
  • $95,509Total interest expense
  • $135,171Net interest income
  • $58,321Provision for loan and lease losses
  • $61,267Total noninterest income
  • $4,342Fiduciary activities
  • $17,284Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39,641Additional noninterest income
  • $367,199Total noninterest expense
  • $70,783Salaries and employee benefits
  • $21,225Premises and equipment expense
  • $275,191Additional noninterest expense
  • -$229,082Pre-tax net operating income
  • $3,345Securities gains (losses)
  • -$11,263Applicable income taxes
  • -$214,474Income before extraordinary items
  • $0Extraordinary gains - net
  • -$214,474Net income attributable to bank
  • $0Net charge-offs
  • -$214,474Cash dividends
  • $41,656Sale, conversion, retirement of capital stock, net
  • $4,692Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.99%Cost of funding earning assets
  • 2.82%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 7.65%Noninterest expense to earning assets
  • -4.08%Net operating income to assets
  • -4.02%Return on assets (ROA)
  • -4.24%Pretax return on assets
  • -49.75%Return on equity (ROE)
  • -50.84%Retained earnings to average equity (YTD only)
  • 1.23%Net charge-offs to loans
  • 140.01%Credit loss provision to net charge-offs
  • -4.10%Efficiency ratio
  • 75,383Assets per employee
  • 5.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -2.19%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 50.73%Noncurrent assets plus other real estate owned to assets
  • 2.58%Noncurrent loans to loans
  • 4.39%Net loans and leases to deposits
  • 74.07%Net loans and leases to core deposits
  • 83.03%Equity capital to assets
  • 7.54%Core capital (leverage) ratio
  • 7.01%Tier 1 risk-based capital ratio
  • 10.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $5,330,215Average earning assets
  • $431,119Average equity
  • $4,800,174Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $562,154Managed Assets
  • 1Number of Accounts
  • $546,767Personal trust and agency accounts
  • $296,325Employee benefit-defined contribution accounts
  • $21,477Employee benefit-defined benefit accounts
  • $144Other retirement accounts
  • $49,580Corporate trust and agency accounts
  • $8,101Investment management agency accounts
  • $168,070Other fiduciary accounts
  • $2,871Fiduciary accounts held in foreign offices
  • $199Non-managed Assets
  • 1377Number of Accounts
  • $0Personal trust and agency accounts
  • $47,246Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $15,387Other retirement accounts
  • $8,051Corporate trust and agency accounts
  • $367Other fiduciary accounts
  • $313Fiduciary accounts held in foreign offices

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