SAFE & SOUND® STAR RATINGS

Financial statement

ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION
935 FIFTH AVE.
FORD CITY, Pennsylvania 16226

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$89,100$90,682$86,798
Loans Receivable, Net52,64152,73249,400
Mortgage-Backed Securities15,28215,76416,244
Investments17,42617,42717,130
Deposits76,62078,36073,702
Borrowings001,000
Equity12,27112,12712,007
Net Interest Income3151,3731,449
Fee Income011
Overhead2611,098985
Net Operating Income182364497
Net Income144190316
Ratio Analysis Profitability%%%
Return on Assets *0.340.220.37
Operating Return on Assets *0.530.410.57
Return on Equity *2.511.572.65
Net Interest Margin *1.541.591.72
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.241.251.14
Efficiency Ratio58.9277.3265.67
Asset Quality%%%
Nonperforming Assets / Assets0.420.450.85
Nonperforming Assets / Equity & Loss Reserves3.003.266.01
Loss Reserves / Nonperforming Loans67.3062.5327.56
1-4 Fam Mtg + MBS / Assets71.5570.5471.31
Commercial Real Estate Loans / Assets2.542.602.93
Construction Loans / Assets1.721.850.77
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.901.011.05
Capitalization%%%
Equity / Assets13.7713.3713.83
Tangible Capital / Tangible Assets13.7713.3713.83
Risk-based Capital Ratio25.0624.5324.64
Liquidity%%%
Loans / Deposits68.7067.2967.03
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities1.762.132.69

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