SAFE & SOUND® STAR RATINGS

Financial statement

BALLY SAVINGS BANK
323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$51,303$51,243$50,195
Loans Receivable, Net21,20920,83619,096
Mortgage-Backed Securities9,4939,6538,870
Investments971951754
Deposits46,83347,03446,340
Borrowings25000
Equity4,0653,9743,776
Net Interest Income234879930
Fee Income000
Overhead125470438
Net Operating Income114396442
Net Income71244272
Ratio Analysis Profitability%%%
Return on Assets *0.480.480.55
Operating Return on Assets *0.770.780.89
Return on Equity *6.126.227.33
Net Interest Margin *1.821.791.91
Fee Income / Assets *0.000.000.00
Overhead / Assets *0.960.930.88
Efficiency Ratio52.3051.5945.63
Asset Quality%%%
Nonperforming Assets / Assets1.762.311.80
Nonperforming Assets / Equity & Loss Reserves21.2927.4222.20
Loss Reserves / Nonperforming Loans20.1328.8332.74
1-4 Fam Mtg + MBS / Assets56.1356.6252.61
Commercial Real Estate Loans / Assets1.621.240.99
Construction Loans / Assets0.860.670.12
Commercial & Industrial Loans / Assets0.120.120.15
Consumer Loans / Assets0.010.010.26
Capitalization%%%
Equity / Assets7.927.767.52
Tangible Capital / Tangible Assets7.927.767.52
Risk-based Capital Ratio25.7525.5625.46
Liquidity%%%
Loans / Deposits45.2944.3041.21
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities2.972.523.03

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