CEO Message

Dear Customers, Neighbors and Friends,

Thank you for visiting us today. I hope that you find the information available on our site to be informative and convenient.

As we celebrate our 103rd anniversary as a community bank, I am appreciative for our Board of Directors and team members whose dedication to our culture and stakeholders has allowed us to help our customers succeed and grow our company. We are pleased to report that our performance last year resulted in a year of record earnings. Net income amounted to $7,110,000, which is the most that Harleysville Bank has earned in any year in its 103 year history.

Net income for the year amounted to $1.85 per share on a diluted basis compared to $1.48 per diluted share for the past fiscal year. Return on average equity was 10.16% and return on average assets was .92% for the year. Stockholders' equity increased to $19.19 per share compared to $18.33 per share a year ago.

At Harleysville Bank our success is measured by how well we meet the expectations of the people we serve. To the communities we serve, it's helping to improve the overall quality of life. To our customers, it's providing them with the services they need and an experience they enjoy. To our team members, it means providing a nurturing workplace with opportunity for advancement. To you our stockholders, it's a strong return on your investment.

Giving back is one of the core values we proudly display throughout the bank. It's our individual commitment to each other, our corporate responsibility to provide monetary support, and our investment in and support of our communities and community activities in their many shapes and sizes. During this past fiscal year, our team volunteered over 7,000 hours to over 100 organizations, supporting and/or attending over 200 events. Our team donated $28,213 to the United Way which was then matched 100% by the bank for a total donation of $56,426.

Leadership succession planning is essential in order for us to remain a profitable, independent community bank going forward. This past March, Ron Geib retired as Chief Executive Officer of Harleysville Financial Corporation and Harleysville Bank. The culture of the Company continues to reflect the principles and values he exemplified in his distinguished career with the Company – integrity, trust, honesty, teamwork and exceptional customer service.

I am grateful to the Board of Directors for their support, for naming me the next Chief Executive Officer, and for remaining focused on the needs for thoughtful succession planning. We remain clearly aligned with the mission of the Company – to build value for our customers, team members, stockholders and the community by consistently providing an exceptional community banking experience.

As we look ahead to the coming year, we are confident our position as a community bank will be stronger than ever. We will continue to honor the safe and conservative principles that have served us well over the years. On behalf of our Directors and our Team, we thank you for your continued trust, confidence and investment in our Company.

Harleysville Bank is a wholly owned subsidiary of Harleysville Financial Corporation, which trades on the OTCQX national market system under the symbol HARL.

Brendan McGill

Brendan McGill

Chief Executive Officer/President

Video - Celebrating our first 100 years...

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