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Bally Savings Bank

Bally, PA · Cert 34440

FDIC · 1 branch

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bally Savings Bank

Bally, PA · Cert 34440

FDIC · 1 branch

Q1 2017

$53.3MAssets
$30.9MLoans
$46.9MDeposits
$5.0MEquity
Loan mix
100%RE $30.2M0%C&I $0.0M0%Consumer $0.0MQ1 2016Q1 2017
Deposit mix
100%Interest-bearing $46.9M0%Noninterest $0.0MQ1 2016Q1 2017

NIM

3.03%Q1 ’153.23%Q1 ’163.36%Q1 ’17+11%+4%

Non-interest income vs. expense

0.99%Q1 ’151.26%Q1 ’161.38%Q1 ’17+28%+9%

Market Position · Reading, PA · 2016 SOD (annual) · 0.3% share · #14 of 18 inst. · $0.0B of $15.0B

Executive Summary

  • Earnings: ROA of 0.70%, down 7 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 4.77% of loans (+477 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.23%, up 95 bps from a year ago.
  • Funding: loans stand at 65.79% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.70%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+9 bps YoY

Efficiency Ratio (YTD, annualized)

54.63%+251 bps YoY

Tier 1 Leverage Ratio

9.23%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.77%0.76%0.76%0.72%0.70%-7 bps
Return on Equity9.12%8.72%8.58%8.04%7.49%-163 bps
Net Interest Margin2.37%2.33%2.40%2.38%2.46%+9 bps
Efficiency Ratio52.12%52.87%53.44%51.60%54.63%+251 bps
Non-Interest Burden1.21%1.20%1.25%1.19%1.32%+10 bps
Growth
Asset Growth (YoY)-0.46%-3.29%-4.10%-3.68%-1.32%-85 bps
Loan Growth (YoY)15.75%10.31%3.92%4.38%3.12%-1,264 bps
Deposit Growth (YoY)-4.64%-5.53%-6.22%-2.79%-0.17%+447 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%4.77%+477 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.83%0.81%0.82%0.82%0 bps
Allowance Coverage of NPLsn/an/an/an/a0.2xn/an/a
Capital
Tier 1 Leverage Ratio8.28%8.59%8.98%9.04%9.23%+95 bps
Total Risk-Based Capital23.05%23.98%24.13%24.54%24.68%+164 bps
Equity / Assets8.64%9.23%9.34%9.28%9.40%+76 bps
Liquidity & Funding
Loans / Deposits63.69%63.38%64.09%65.71%65.79%+210 bps
Liquid Assets / Assets24.74%25.52%25.74%24.36%25.29%+55 bps
CRE / Total Capitaln/an/an/an/an/an/an/a