FDIC Certificate #: 34440 Status: Active Federal Reserve ID: 18377 Date Established: January 02, 1999 WWW:http://www.ballysavingsbank.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 57204 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 02, 1999 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 323 Main Street, Bally, PA 19503 County: Berks Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Harrisburg Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Reading, PA (#6680) Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428) Core Based Statistical Area (CBSA): Reading, PA (#39740) CBSA Metro Statistical Area: Reading, PA (#39740)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $47.7 mil Equity capital: $3.5 mil Deposits held in domestic offices: $44.1 mil Return on assets (ROA): 0.72% ($0.3 mil) Quarterly return on assets: -0.44% (-$0.2 mil) Return on Equity (ROE): 9.71% ($0.3 mil) Quarterly return on equity: -5.81% (-$0.2 mil) Net income: $0.3 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 1.17% ($557.6 mil) Quarterly Pretax return on assets: 0.36% ($171.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
4Total employees (full-time equivalent)
$47,659Total assets
$17,516Cash and due from depository institutions
$17,508Interest-bearing balances
$8,614Securities
$0Federal funds sold & reverse repurchase agreements
$20,057Net loans & leases
$249Loan loss allowance
$0Trading account assets
$1,083Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$47,659Life insurance assets
$389All other assets
$44,175Total liabilities and capital
$44,078Total liabilities
$44,078Total deposits
$44,078Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$97Subordinated debt
$3,484All other liabilities
$3,484Total equity capital
$3,484Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$3,484Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$923Income earned, not collected on loans
$0Earning assets
$112Long-term assets (5+ years)
$46,179Average Assets, year-to-date
$18,620Average Assets, quarterly
$45,269Volatile liabilities
$46,735Insider loans
$15,544FHLB advances
$46,684Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,312Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$816Restructured Loans and leases
$146Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,676Total interest income
$714Total interest expense
$962Net interest income
$47Provision for loan and lease losses
$20Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$405Total noninterest expense
$172Salaries and employee benefits
$22Premises and equipment expense
$211Additional noninterest expense
$530Pre-tax net operating income
$0Securities gains (losses)
$203Applicable income taxes
$327Income before extraordinary items
$0Extraordinary gains - net
$327Net income attributable to bank
$0Net charge-offs
$327Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.81%Yield on earning assets
1.62%Cost of funding earning assets
2.19%Net interest margin
0.05%Noninterest income to earning assets
0.92%Noninterest expense to earning assets
0.72%Net operating income to assets
0.72%Return on assets (ROA)
1.17%Pretax return on assets
9.71%Return on equity (ROE)
9.71%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
41,242Assets per employee
11.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
26.98%Noncurrent assets plus other real estate owned to assets
1.94%Noncurrent loans to loans
4.55%Net loans and leases to deposits
45.50%Net loans and leases to core deposits
47.00%Equity capital to assets
7.31%Core capital (leverage) ratio
7.09%Tier 1 risk-based capital ratio
21.31%Total risk-based capital ratio
Memoranda
$23Average assets
$45,269Average earning assets
$3,369Average equity
$44,000Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57204
Bally Savings Bank
323 Main Street, Bally, PA 19503
January 02, 1999
Full Service Brick and Mortar
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