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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 December 31, 2012
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$86,798$85,568$82,641
Loans Receivable, Net49,40046,06043,840
Mortgage-Backed Securities16,24417,94520,446
Investments17,13017,57214,516
Deposits73,70273,71471,154
Borrowings1,00000
Equity12,00711,77711,457
Net Interest Income1,4491,3701,259
Fee Income1170
Overhead9859901,087
Net Operating Income497306142
Net Income316107-29
Ratio Analysis Profitability%%%
Return on Assets *0.370.33-0.13
Operating Return on Assets *0.570.360.17
Return on Equity *2.652.39-0.94
Net Interest Margin *1.721.671.58
Fee Income / Assets *0.000.020.00
Overhead / Assets *1.141.171.33
Efficiency Ratio65.6760617650
Asset Quality%%%
Nonperforming Assets / Assets0.850.870.58
Nonperforming Assets / Equity & Loss Reserves6.016.204.10
Loss Reserves / Nonperforming Loans27.560.480.39
1-4 Fam Mtg + MBS / Assets71.3169.9372.77
Commercial Real Estate Loans / Assets2.932.913.18
Construction Loans / Assets0.771.170.91
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.050.910.98
Capitalization%%%
Equity / Assets13.8313.7613.86
Tangible Capital / Tangible Assets13.8313.7613.86
Risk-based Capital Ratio24.6429.8729.82
Liquidity%%%
Loans / Deposits67.0362.4861.61
Non-Interest Bearing Deposits / Deposits0.00n/an/a
Purchased Liabilities2.69-2.601.68

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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