SAFE & SOUND® STAR RATINGS

Financial statement

BALLY SAVINGS BANK
323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2013
12 months
2012
Year
Total Assets$51,243$50,195
Loans Receivable, Net20,83619,096
Mortgage-Backed Securities9,6538,870
Investments951754
Deposits47,03446,340
Borrowings00
Equity3,9743,776
Net Interest Income879930
Fee Income00
Overhead470438
Net Operating Income396442
Net Income244272
Ratio Analysis Profitability%%
Return on Assets *0.480.55
Operating Return on Assets *0.780.89
Return on Equity *6.227.33
Net Interest Margin *1.791.91
Fee Income / Assets *0.000.00
Overhead / Assets *0.930.88
Efficiency Ratio51.5945.63
Asset Quality%%
Nonperforming Assets / Assets2.311.80
Nonperforming Assets / Equity & Loss Reserves27.4222.20
Loss Reserves / Nonperforming Loans28.8332.74
1-4 Fam Mtg + MBS / Assets56.6252.61
Commercial Real Estate Loans / Assets1.240.99
Construction Loans / Assets0.670.12
Commercial & Industrial Loans / Assets0.120.15
Consumer Loans / Assets0.010.26
Capitalization%%
Equity / Assets7.767.52
Tangible Capital / Tangible Assets7.767.52
Risk-based Capital Ratio25.5625.46
Liquidity%%
Loans / Deposits44.3041.21
Non-Interest Bearing Deposits / Deposits0.000.00
Purchased Liabilities2.523.03

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