Bally Savings Bank in Bally, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bally Savings Bank in Bally, Pennsylvania (PA)
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Bally Savings Bank - Overview

  • General
  • FDIC Certificate #: 34440
    Status: Active
    Federal Reserve ID: 18377
    Date Established: January 02, 1999
    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
  • NoIDNameAddressEstablishedService TypeMap
    057204Bally Savings Bank323 Main Street, Bally, PA 19503January 02, 1999Full Service Brick and Mortar

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