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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 March 31, 2015
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$88,721$90,408$90,682
Loans Receivable, Net54,39754,83452,732
Mortgage-Backed Securities10,81611,16315,764
Investments17,93517,42517,427
Deposits74,13273,84278,360
Borrowings2,0004,0000
Equity12,35912,35212,127
Net Interest Income2741,2701,373
Fee Income001
Overhead2581,0291,098
Net Operating Income28203364
Net Income-5223190
Ratio Analysis Profitability%%%
Return on Assets *0.080.250.22
Operating Return on Assets *0.050.230.41
Return on Equity *0.601.811.57
Net Interest Margin *1.411.451.59
Fee Income / Assets *0.000.000.00
Overhead / Assets *1.151.151.25
Efficiency Ratio90.2171.9177.32
Asset Quality%%%
Nonperforming Assets / Assets0.370.470.45
Nonperforming Assets / Equity & Loss Reserves2.603.373.26
Loss Reserves / Nonperforming Loans80.4361.9662.53
1-4 Fam Mtg + MBS / Assets69.1968.5070.54
Commercial Real Estate Loans / Assets2.382.412.60
Construction Loans / Assets1.391.431.85
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.011.121.01
Capitalization%%%
Equity / Assets13.9313.6613.37
Tangible Capital / Tangible Assets13.9313.6613.37
Risk-based Capital Ratio31.2531.5224.53
Liquidity%%%
Loans / Deposits73.3874.2667.29
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities4.366.292.13

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