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SAFE & SOUND® STAR RATINGS

ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION


FORD CITY, Pennsylvania 16226

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of December 31, 2015
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$86,325$90,408$90,682
Loans Receivable, Net55,37854,83452,732
Mortgage-Backed Securities10,27611,16315,764
Investments17,63417,42517,427
Deposits73,69973,84278,360
Borrowings04,0000
Equity12,39012,35212,127
Net Interest Income1,1741,2701,373
Fee Income001
Overhead1,0451,0291,098
Net Operating Income149203364
Net Income80223190
Ratio Analysis Profitability%%%
Return on Assets *0.090.250.22
Operating Return on Assets *0.170.230.41
Return on Equity *0.651.811.57
Net Interest Margin *1.371.451.59
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.181.151.25
Efficiency Ratio85.5271.9177.32
Asset Quality%%%
Nonperforming Assets / Assets0.690.470.45
Nonperforming Assets / Equity & Loss Reserves4.693.373.26
Loss Reserves / Nonperforming Loans44.9261.9662.53
1-4 Fam Mtg + MBS / Assets70.6468.5070.54
Commercial Real Estate Loans / Assets2.652.412.60
Construction Loans / Assets2.261.431.85
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.981.121.01
Capitalization%%%
Equity / Assets14.3513.6613.37
Tangible Capital / Tangible Assets14.3513.6613.37
Risk-based Capital Ratio31.4831.5224.53
Liquidity%%%
Loans / Deposits75.1474.2667.29
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities2.046.292.13

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