The Herndon National Bank
Herndon, PA — National Bank
Acquired Aug 2011
Vitals
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Total Assets28.9M -3.9 %
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Total Deposits20.6M -5.4 %
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Total Net Loans8.6M 7.8 %
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Net Income52000.0000 -25.7 %
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Book Value8.3M 0.9 %
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Book Value x216.6M 0.9 %
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Book Value x324.8M 0.9 %
Balance Sheet Highlights
| Financial Highlights | The Herndon National Bank | All Insured Commercial Banks in Pennsylvania |
| Balance Sheet $(000) | ||
| Total Assets | 28,944 | 535,060 |
| Total Net Loans | 8,552 | 349,497 |
| Total Deposits | 20,603 | 444,678 |
| Total Equity | 8,281 | 53,302 |
| Profitability | ||
| Net Income | 52 | 2,087 |
| Return on Average Assets | .351 | .747 |
| Return on Average Equity | 1.259 | 7.349 |
| Net Interest Margin | 3.563 | 3.768 |
| Efficiency Ratio | 82.864 | 69.41 |
| Noninterest Income/Revenue | 4.022 | 15.446 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 41.509 | 76.618 |
| Securities/Assets | .523 | .219 |
| Total Equity/Total Assets | .286 | .1 |
| Tangible Equity/Tangible Assets | .286 | .09 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 8,281 | 48,056 |
| Tier 2 Capital | 149 | 4,762 |
| Total Capital | 8,430 | 53,287 |
| Total Risk Weighted Assets | 11,896 | 370,651 |
| Leverage Ratio | 28.72 | 9.541 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 69.61 | 14.494 |
| Total Capital Ratio | 70.86 | 15.713 |
Timeline for The Herndon National Bank
The Gratz Bank
The Herndon National Bank was acquired by The Gratz Bank 13 years
View Profile Aug 06 2011
The Herndon National Bank
The Herndon National Bank was established 90 years ago and is currently headquartered in Herndon, PA.
Feb 01 1934| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| The Gratz Bank | Buyer | 308,628 | Acquisition | Discontinued | 8/6/2011 |
| Relationships | Role | Relationship Start | Relationship End |
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