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, 2013
Federal Reserve System Identifier 269571




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$90,682$86,798$85,568
Loans Receivable, Net52,73249,40046,060
Mortgage-Backed Securities15,76416,24417,945
Investments17,42717,13017,572
Deposits78,36073,70273,714
Borrowings01,0000
Equity12,12712,00711,777
Net Interest Income1,3731,4491,370
Fee Income1117
Overhead1,098985990
Net Operating Income364497306
Net Income190316107
Ratio Analysis Profitability%%%
Return on Assets *0.220.370.33
Operating Return on Assets *0.410.570.36
Return on Equity *1.572.652.39
Net Interest Margin *1.591.721.67
Fee Income / Assets *0.000.000.02
Overhead / Assets *1.251.141.17
Efficiency Ratio77.3265.676061.00
Asset Quality%%%
Nonperforming Assets / Assets0.450.850.87
Nonperforming Assets / Equity & Loss Reserves3.266.016.20
Loss Reserves / Nonperforming Loans62.5327.560.48
1-4 Fam Mtg + MBS / Assets70.5471.3169.93
Commercial Real Estate Loans / Assets2.602.932.91
Construction Loans / Assets1.850.771.17
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets1.011.050.91
Capitalization%%%
Equity / Assets13.3713.8313.76
Tangible Capital / Tangible Assets13.3713.8313.76
Risk-based Capital Ratio24.5324.6429.87
Liquidity%%%
Loans / Deposits67.2967.0362.48
Non-Interest Bearing Deposits / Deposits0.000.00n/a
Purchased Liabilities2.132.69-2.60

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