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 June 30, 2014
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$88,622$90,682$86,798
Loans Receivable, Net52,78752,73249,400
Mortgage-Backed Securities15,24715,76416,244
Investments17,44317,42717,130
Deposits76,04478,36073,702
Borrowings001,000
Equity12,35312,12712,007
Net Interest Income6461,3731,449
Fee Income011
Overhead5171,098985
Net Operating Income288364497
Net Income214190316
Ratio Analysis Profitability%%%
Return on Assets *0.240.220.37
Operating Return on Assets *0.420.410.57
Return on Equity *1.731.572.65
Net Interest Margin *1.461.591.72
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.241.251.14
Efficiency Ratio65.8677.3265.67
Asset Quality%%%
Nonperforming Assets / Assets0.450.450.85
Nonperforming Assets / Equity & Loss Reserves3.173.266.01
Loss Reserves / Nonperforming Loans66.0762.5327.56
1-4 Fam Mtg + MBS / Assets71.7870.5471.31
Commercial Real Estate Loans / Assets2.492.602.93
Construction Loans / Assets1.761.850.77
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.231.011.05
Capitalization%%%
Equity / Assets13.9413.3713.83
Tangible Capital / Tangible Assets13.9413.3713.83
Risk-based Capital Ratio25.2824.5324.64
Liquidity%%%
Loans / Deposits69.4267.2967.03
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities1.912.132.69

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