SAFE & SOUND® STAR RATINGS

Financial statement

BALLY SAVINGS BANK
323 MAIN STREET
BALLY, Pennsylvania 19503

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 18377




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$52,476$51,243$50,195
Loans Receivable, Net23,30120,83619,096
Mortgage-Backed Securities9,6599,6538,870
Investments980951754
Deposits46,93047,03446,340
Borrowings1,10000
Equity4,1593,9743,776
Net Interest Income510879930
Fee Income000
Overhead260470438
Net Operating Income265396442
Net Income184244272
Ratio Analysis Profitability%%%
Return on Assets *0.560.480.55
Operating Return on Assets *0.850.780.89
Return on Equity *7.116.227.33
Net Interest Margin *1.921.791.91
Fee Income / Assets *0.000.000.00
Overhead / Assets *0.990.930.88
Efficiency Ratio49.5251.5945.63
Asset Quality%%%
Nonperforming Assets / Assets1.812.311.80
Nonperforming Assets / Equity & Loss Reserves21.9127.4222.20
Loss Reserves / Nonperforming Loans19.1428.8332.74
1-4 Fam Mtg + MBS / Assets58.7956.6252.61
Commercial Real Estate Loans / Assets1.571.240.99
Construction Loans / Assets1.280.670.12
Commercial & Industrial Loans / Assets0.110.120.15
Consumer Loans / Assets0.000.010.26
Capitalization%%%
Equity / Assets7.937.767.52
Tangible Capital / Tangible Assets7.937.767.52
Risk-based Capital Ratio24.6925.5625.46
Liquidity%%%
Loans / Deposits49.6544.3041.21
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities4.542.523.03

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