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SAFE & SOUND® STAR RATINGS

ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION


FORD CITY, Pennsylvania 16226

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$85,749$86,325$90,408
Loans Receivable, Net55,23155,37854,834
Mortgage-Backed Securities9,90710,27611,163
Investments16,91917,63417,425
Deposits73,04873,69973,842
Borrowings004,000
Equity12,44412,39012,352
Net Interest Income2891,1741,270
Fee Income000
Overhead2641,0451,029
Net Operating Income40149203
Net Income2580223
Ratio Analysis Profitability%%%
Return on Assets *0.130.090.25
Operating Return on Assets *0.180.170.23
Return on Equity *0.890.651.81
Net Interest Margin *1.401.371.45
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.201.181.15
Efficiency Ratio87.7185.5271.91
Asset Quality%%%
Nonperforming Assets / Assets0.410.690.47
Nonperforming Assets / Equity & Loss Reserves2.744.693.37
Loss Reserves / Nonperforming Loans77.0344.9261.96
1-4 Fam Mtg + MBS / Assets71.7370.6468.50
Commercial Real Estate Loans / Assets2.582.652.41
Construction Loans / Assets1.112.261.43
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.010.981.12
Capitalization%%%
Equity / Assets14.5114.3513.66
Tangible Capital / Tangible Assets14.5114.3513.66
Risk-based Capital Ratio32.0631.4831.52
Liquidity%%%
Loans / Deposits75.6175.1474.26
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities1.952.046.29

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