# BALLY SAVINGS BANK
BALLY, PA · FDIC certificate 34440 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $53.3M | |
| Deposits | $46.9M | |
| Loans and leases | $30.9M | |
| Total equity | $5.0M | |
| Loans / deposits | 65.25% (p35 of band) | 73.48% |
| Liquid assets / assets | 39.63% (p64 of band) | |
| Uninsured deposits / deposits | 2.36% (p3 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.07% (p53 of band) | |
| FHLB advances / assets | 2.07% | |
| Tier 1 leverage | 9.23% (p22 of band) | 10.87% |
| Unrealized securities loss / equity | 2.95% (p96 of band) | -0.29% |
| AOCI / equity | -0.08% (p4 of band) | |
| ROA (annualized) | 0.70% (p40 of band) | 0.83% |
| Net interest margin | 2.54% (p7 of band) | 3.63% |
| Efficiency ratio | 54.63% (p11 of band) | |
| Noncurrent loans | 4.77% (p96 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 17.11% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 16.13% (p50 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | leverage <7%, capital falling |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 2 |  | leverage <7% |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | charge-offs p90 |  |
| 2014-06 | 5 | uninsured deposits leaving |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | charge-offs p90 |
| 2015-03 | 4 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | capital falling, noncurrent p90 |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 4 | deposits shrinking |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | deposits shrinking |
| 2017-03 | 2 |  | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-10-31 [Ambler Savings Bank acquires Bally Savings Bank - pottsmerc.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPeWc0STJWVW43dUt0MzVrbEQ0Ym9fRkhpRF9fMVYtaDJBT2V4UGQtdmRvV1JCTFV3Uk5iLUdzR0tzaDVRWmJZZWlCeFFfSTZqOC0tLXpHLUVOcm9IU2xBUThJZ3lVOVl2UGVQMkhPeUFhbkFCRm15dUZabThCc1hKajB0TDhzWjhYWDhIWGhn?oc=5) · pottsmerc.com
- 2018-02-22 [Ambler Savings Bank welcomes new board leadership - thereporteronline](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeGpHZ0Y5X2F3M0ZwWTlyMXVMVWFYdVRQcEpkekFsRS0zOFlyOTBVSDVZUV9aUjJ4Yk5VektMdG1ZZWRDc3Y4Q1FIbDhnM09CY2U2Qm1nVXY5cEc5VUFPNE0wdkE1WFlsTkJ4LWw3ZnBjMGJHeDJTdmJWMS1yanp3RmZzcjNKaHpqSThtMUtfaWY1XzhLd19XekxYTQ?oc=5) · thereporteronline

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34440 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "34440", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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