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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 September 30, 2015
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$55,650$52,754$51,243
Loans Receivable, Net28,87625,16320,836
Mortgage-Backed Securities9,0299,2729,653
Investments952990951
Deposits50,18747,68047,034
Borrowings6005430
Equity4,5884,3283,974
Net Interest Income8711,067879
Fee Income000
Overhead454554470
Net Operating Income434539396
Net Income280334244
Ratio Analysis Profitability%%%
Return on Assets *0.540.640.48
Operating Return on Assets *0.991.040.78
Return on Equity *6.547.936.22
Net Interest Margin *2.182.131.79
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.191.070.93
Efficiency Ratio50.5650.6951.59
Asset Quality%%%
Nonperforming Assets / Assets1.412.192.31
Nonperforming Assets / Equity & Loss Reserves16.5225.6527.42
Loss Reserves / Nonperforming Loans19.2817.9728.83
1-4 Fam Mtg + MBS / Assets62.7761.0656.62
Commercial Real Estate Loans / Assets1.301.491.24
Construction Loans / Assets2.161.380.67
Commercial & Industrial Loans / Assets0.070.090.12
Consumer Loans / Assets0.060.010.01
Capitalization%%%
Equity / Assets8.248.207.76
Tangible Capital / Tangible Assets8.248.207.76
Risk-based Capital Ratio22.8024.0625.56
Liquidity%%%
Loans / Deposits57.5452.7744.30
Non-Interest Bearing Deposits / Deposits0.000.200.00
Purchased Liabilities3.493.382.52

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