SAFE & SOUND® STAR RATINGS

Financial statement

ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION

FORD CITY, Pennsylvania 16226

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$90,530$90,682$86,798
Loans Receivable, Net54,14652,73249,400
Mortgage-Backed Securities14,39815,76416,244
Investments17,42617,42717,130
Deposits73,88878,36073,702
Borrowings4,00001,000
Equity12,40212,12712,007
Net Interest Income9691,3731,449
Fee Income011
Overhead7751,098985
Net Operating Income363364497
Net Income275190316
Ratio Analysis Profitability%%%
Return on Assets *0.260.220.37
Operating Return on Assets *0.410.410.57
Return on Equity *1.901.572.65
Net Interest Margin *1.471.591.72
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.241.251.14
Efficiency Ratio69.3277.3265.67
Asset Quality%%%
Nonperforming Assets / Assets0.390.450.85
Nonperforming Assets / Equity & Loss Reserves2.813.266.01
Loss Reserves / Nonperforming Loans74.2162.5327.56
1-4 Fam Mtg + MBS / Assets70.9970.5471.31
Commercial Real Estate Loans / Assets2.372.602.93
Construction Loans / Assets1.661.850.77
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.161.011.05
Capitalization%%%
Equity / Assets13.7013.3713.83
Tangible Capital / Tangible Assets13.7013.3713.83
Risk-based Capital Ratio24.8924.5324.64
Liquidity%%%
Loans / Deposits73.2867.2967.03
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities6.132.132.69

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