SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN SAVINGS BANK

MIDDLETOWN, Ohio 45042

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$37,948$38,705$40,114
Loans Receivable, Net27,14626,98028,348
Mortgage-Backed Securities160208286
Investments7781,0291,336
Deposits28,79129,54730,412
Borrowings1,3581,4071,976
Equity7,0347,0276,874
Net Interest Income1,1251,5891,740
Fee Income273689
Overhead1,2791,6641,696
Net Operating Income-11130340
Net Income11115273
Ratio Analysis Profitability%%%
Return on Assets *0.010.290.68
Operating Return on Assets *-0.100.330.85
Return on Equity *0.071.644.04
Net Interest Margin *4.714.804.96
Fee Income / Assets *0.090.090.22
Overhead / Assets *4.354.234.23
Efficiency Ratio99.9289.3278.74
Asset Quality%%%
Nonperforming Assets / Assets1.030.380.38
Nonperforming Assets / Equity & Loss Reserves5.332.032.10
Loss Reserves / Nonperforming Loans89.08206.04205.96
1-4 Fam Mtg + MBS / Assets54.0250.4952.11
Commercial Real Estate Loans / Assets12.6315.0614.32
Construction Loans / Assets0.940.581.13
Commercial & Industrial Loans / Assets4.614.053.15
Consumer Loans / Assets0.771.051.65
Capitalization%%%
Equity / Assets18.5418.1617.14
Tangible Capital / Tangible Assets18.5418.1617.14
Risk-based Capital Ratio31.0830.5529.40
Liquidity%%%
Loans / Deposits94.2991.3193.21
Non-Interest Bearing Deposits / Deposits11.0810.322.57
Purchased Liabilities6.546.579.48

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