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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 December 31, 2014
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$52,754$51,243$50,195
Loans Receivable, Net25,16320,83619,096
Mortgage-Backed Securities9,2729,6538,870
Investments990951754
Deposits47,68047,03446,340
Borrowings54300
Equity4,3283,9743,776
Net Interest Income1,067879930
Fee Income000
Overhead554470438
Net Operating Income539396442
Net Income334244272
Ratio Analysis Profitability%%%
Return on Assets *0.640.480.55
Operating Return on Assets *1.040.780.89
Return on Equity *7.936.227.33
Net Interest Margin *2.131.791.91
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.070.930.88
Efficiency Ratio50.6951.5945.63
Asset Quality%%%
Nonperforming Assets / Assets2.192.311.80
Nonperforming Assets / Equity & Loss Reserves25.6527.4222.20
Loss Reserves / Nonperforming Loans17.9728.8332.74
1-4 Fam Mtg + MBS / Assets61.0656.6252.61
Commercial Real Estate Loans / Assets1.491.240.99
Construction Loans / Assets1.380.670.12
Commercial & Industrial Loans / Assets0.090.120.15
Consumer Loans / Assets0.010.010.26
Capitalization%%%
Equity / Assets8.207.767.52
Tangible Capital / Tangible Assets8.207.767.52
Risk-based Capital Ratio24.0625.5625.46
Liquidity%%%
Loans / Deposits52.7744.3041.21
Non-Interest Bearing Deposits / Deposits0.200.000.00
Purchased Liabilities3.382.523.03

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