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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 December 31, 2014
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$90,408$90,682$86,798
Loans Receivable, Net54,83452,73249,400
Mortgage-Backed Securities11,16315,76416,244
Investments17,42517,42717,130
Deposits73,84278,36073,702
Borrowings4,00001,000
Equity12,35212,12712,007
Net Interest Income1,2701,3731,449
Fee Income011
Overhead1,0291,098985
Net Operating Income203364497
Net Income223190316
Ratio Analysis Profitability%%%
Return on Assets *0.250.220.37
Operating Return on Assets *0.230.410.57
Return on Equity *1.811.572.65
Net Interest Margin *1.451.591.72
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.151.251.14
Efficiency Ratio71.9177.3265.67
Asset Quality%%%
Nonperforming Assets / Assets0.470.450.85
Nonperforming Assets / Equity & Loss Reserves3.373.266.01
Loss Reserves / Nonperforming Loans61.9662.5327.56
1-4 Fam Mtg + MBS / Assets68.5070.5471.31
Commercial Real Estate Loans / Assets2.412.602.93
Construction Loans / Assets1.431.850.77
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.121.011.05
Capitalization%%%
Equity / Assets13.6613.3713.83
Tangible Capital / Tangible Assets13.6613.3713.83
Risk-based Capital Ratio31.5224.5324.64
Liquidity%%%
Loans / Deposits74.2667.2967.03
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities6.292.132.69

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