Harvest Community Bank

Harvest Community Bank is headquartered in Pennsville and is the 84^th largest bank in the state of New Jersey. It is also the 3,153^rd largest bank in the nation. It was established in 2000 and as of September of 2011, it had grown to 38 employees at 5 locations. Harvest Community Bank has a 2-star health rating.

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Data for Q3 2011

Institution Statistics Harvest Community Bank FDIC Certificate # 34951 BankRate Report View Year Established 2000 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $195.61 million Loans $133.81 million Deposits $178.12 million Equity Capital $17.04 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $10.80 million Real Estate Owned $80,000 Historic Data - September 2010 Assets $196.63 million Equity Capital $16.36 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $7.11 million Real Estate Owned $179,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.21% Return on Equity 2.57% Interest Income $6.54 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Harvest Community Bank had $10.88 million in non-current loans and owned real-estate with $18.91 million in equity and loan loss allowances on hand to cover it. This gives Harvest Community Bank a Texas Ratio of 57.52% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Harvest Community Bank increased slightly from 40.28% as of September 30, 2010 to 57.52% as of September 30, 2011, resulting in a negative change of 42.79%. This indicates that the balance sheet and financial strength for Harvest Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Harvest Community Bank has decreased its total deposits by -$1.63 million, resulting in -0.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Harvest Community Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Harvest Community Bank has $195.61 million in assets with $18.91 million in equity, resulting in a capitalization level of 9.67%, which is average.

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