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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, 2012
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2012
12 months
Total Assets$50,195
Loans Receivable, Net19,096
Mortgage-Backed Securities8,870
Investments754
Deposits46,340
Borrowings0
Equity3,776
Net Interest Income930
Fee Income0
Overhead438
Net Operating Income442
Net Income272
Ratio Analysis Profitability%
Return on Assets *0.55
Operating Return on Assets *0.89
Return on Equity *7.33
Net Interest Margin *1.91
Fee Income / Assets *0.00
Overhead / Assets *0.88
Efficiency Ratio45.63
Asset Quality%
Nonperforming Assets / Assets1.80
Nonperforming Assets / Equity & Loss Reserves22.20
Loss Reserves / Nonperforming Loans32.74
1-4 Fam Mtg + MBS / Assets52.61
Commercial Real Estate Loans / Assets0.99
Construction Loans / Assets0.12
Commercial & Industrial Loans / Assets0.15
Consumer Loans / Assets0.26
Capitalization%
Equity / Assets7.52
Tangible Capital / Tangible Assets7.52
Risk-based Capital Ratio25.46
Liquidity%
Loans / Deposits41.21
Non-Interest Bearing Deposits / Deposits0.00
Purchased Liabilities3.03

* Calculations are based on the latest four quarters of income and expense.
Rating is for the quarter ending 12-31-2012; amended filings not reflected
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About this index
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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