SAFE & SOUND® STAR RATINGS

Financial statement

BALLY SAVINGS BANK
323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$51,141$51,243$50,195
Loans Receivable, Net23,90620,83619,096
Mortgage-Backed Securities9,2439,6538,870
Investments979951754
Deposits45,67147,03446,340
Borrowings84300
Equity4,2973,9743,776
Net Interest Income793879930
Fee Income000
Overhead371470438
Net Operating Income441396442
Net Income322244272
Ratio Analysis Profitability%%%
Return on Assets *0.680.480.55
Operating Return on Assets *0.960.780.89
Return on Equity *8.496.227.33
Net Interest Margin *2.071.791.91
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.010.930.88
Efficiency Ratio45.6951.5945.63
Asset Quality%%%
Nonperforming Assets / Assets2.012.311.80
Nonperforming Assets / Equity & Loss Reserves22.9127.4222.20
Loss Reserves / Nonperforming Loans17.7428.8332.74
1-4 Fam Mtg + MBS / Assets60.8256.6252.61
Commercial Real Estate Loans / Assets1.611.240.99
Construction Loans / Assets1.240.670.12
Commercial & Industrial Loans / Assets0.100.120.15
Consumer Loans / Assets0.010.010.26
Capitalization%%%
Equity / Assets8.407.767.52
Tangible Capital / Tangible Assets8.407.767.52
Risk-based Capital Ratio25.0125.5625.46
Liquidity%%%
Loans / Deposits52.3444.3041.21
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities4.152.523.03

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