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SAFE & SOUND® STAR RATINGS

BALLY SAVINGS BANK

323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$54,223$52,754$51,243
Loans Receivable, Net25,71925,16320,836
Mortgage-Backed Securities8,8459,2729,653
Investments996990951
Deposits49,29047,68047,034
Borrowings2935430
Equity4,4264,3283,974
Net Interest Income2841,067879
Fee Income000
Overhead131554470
Net Operating Income158539396
Net Income107334244
Ratio Analysis Profitability%%%
Return on Assets *0.710.640.48
Operating Return on Assets *1.121.040.78
Return on Equity *8.607.936.22
Net Interest Margin *2.202.131.79
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.071.070.93
Efficiency Ratio45.3350.6951.59
Asset Quality%%%
Nonperforming Assets / Assets1.692.192.31
Nonperforming Assets / Equity & Loss Reserves20.1125.6527.42
Loss Reserves / Nonperforming Loans18.5817.9728.83
1-4 Fam Mtg + MBS / Assets59.4661.0656.62
Commercial Real Estate Loans / Assets1.351.491.24
Construction Loans / Assets1.611.380.67
Commercial & Industrial Loans / Assets0.080.090.12
Consumer Loans / Assets0.000.010.01
Capitalization%%%
Equity / Assets8.168.207.76
Tangible Capital / Tangible Assets8.168.207.76
Risk-based Capital Ratio24.3224.0625.56
Liquidity%%%
Loans / Deposits52.1852.7744.30
Non-Interest Bearing Deposits / Deposits0.000.200.00
Purchased Liabilities2.613.382.52

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