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SAFE & SOUND® STAR RATINGS

BALLY SAVINGS BANK

323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$53,972$55,082$52,754
Loans Receivable, Net29,69229,33125,163
Mortgage-Backed Securities8,4028,5239,272
Investments455948990
Deposits47,00348,23847,680
Borrowings2,1002,000543
Equity4,6644,5814,328
Net Interest Income3241,1701,067
Fee Income000
Overhead172670554
Net Operating Income152487539
Net Income105301334
Ratio Analysis Profitability%%%
Return on Assets *0.540.550.64
Operating Return on Assets *0.870.891.04
Return on Equity *6.526.657.93
Net Interest Margin *2.282.192.13
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.291.231.07
Efficiency Ratio52.1255.7450.69
Asset Quality%%%
Nonperforming Assets / Assets2.102.412.19
Nonperforming Assets / Equity & Loss Reserves23.1227.8925.65
Loss Reserves / Nonperforming Loans21.5914.0617.97
1-4 Fam Mtg + MBS / Assets65.1963.1461.06
Commercial Real Estate Loans / Assets1.331.311.49
Construction Loans / Assets2.422.511.38
Commercial & Industrial Loans / Assets0.060.060.09
Consumer Loans / Assets0.050.060.01
Capitalization%%%
Equity / Assets8.648.328.20
Tangible Capital / Tangible Assets8.648.328.20
Risk-based Capital Ratio23.0522.3524.06
Liquidity%%%
Loans / Deposits63.1760.8052.77
Non-Interest Bearing Deposits / Deposits0.000.000.20
Purchased Liabilities5.955.673.38

* Calculations are based on the latest four quarters of income and expense.
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