Safe & Sound » Bank Ratings » BALLY SAVINGS BANK


SAFE & SOUND® STAR RATINGS

BALLY SAVINGS BANK

323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$55,082$52,754$51,243
Loans Receivable, Net29,33125,16320,836
Mortgage-Backed Securities8,5239,2729,653
Investments948990951
Deposits48,23847,68047,034
Borrowings2,0005430
Equity4,5814,3283,974
Net Interest Income1,1701,067879
Fee Income000
Overhead670554470
Net Operating Income487539396
Net Income301334244
Ratio Analysis Profitability%%%
Return on Assets *0.550.640.48
Operating Return on Assets *0.891.040.78
Return on Equity *6.657.936.22
Net Interest Margin *2.192.131.79
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.231.070.93
Efficiency Ratio55.7450.6951.59
Asset Quality%%%
Nonperforming Assets / Assets2.412.192.31
Nonperforming Assets / Equity & Loss Reserves27.8925.6527.42
Loss Reserves / Nonperforming Loans14.0617.9728.83
1-4 Fam Mtg + MBS / Assets63.1461.0656.62
Commercial Real Estate Loans / Assets1.311.491.24
Construction Loans / Assets2.511.380.67
Commercial & Industrial Loans / Assets0.060.090.12
Consumer Loans / Assets0.060.010.01
Capitalization%%%
Equity / Assets8.328.207.76
Tangible Capital / Tangible Assets8.328.207.76
Risk-based Capital Ratio22.3524.0625.56
Liquidity%%%
Loans / Deposits60.8052.7744.30
Non-Interest Bearing Deposits / Deposits0.000.200.00
Purchased Liabilities5.673.382.52

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

Connect with us