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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN SAVINGS BANK
701 NORTH UNIVERSITY BOULEVARD
MIDDLETOWN, Ohio 45042

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$40,114$40,319$39,221
Loans Receivable, Net28,34829,72630,096
Mortgage-Backed Securities286200246
Investments1,3361,575979
Deposits30,41232,84331,840
Borrowings1,97600
Equity6,8746,6076,578
Net Interest Income1,7401,6161,586
Fee Income89150125
Overhead1,6961,5351,459
Net Operating Income340110291
Net Income273-1138
Ratio Analysis Profitability%%%
Return on Assets *0.680.130.40
Operating Return on Assets *0.850.280.74
Return on Equity *4.040.792.45
Net Interest Margin *4.964.664.56
Fee Income / Assets *0.220.370.32
Overhead / Assets *4.233.873.69
Efficiency Ratio78.7483508097
Asset Quality%%%
Nonperforming Assets / Assets0.380.702.30
Nonperforming Assets / Equity & Loss Reserves2.104.0913.29
Loss Reserves / Nonperforming Loans205.961.000.74
1-4 Fam Mtg + MBS / Assets52.1158.1360.82
Commercial Real Estate Loans / Assets14.3210.4310.24
Construction Loans / Assets1.131.600.94
Commercial & Industrial Loans / Assets3.153.134.08
Consumer Loans / Assets1.651.371.55
Capitalization%%%
Equity / Assets17.1416.3916.77
Tangible Capital / Tangible Assets17.1416.3916.77
Risk-based Capital Ratio29.4025.8626.01
Liquidity%%%
Loans / Deposits93.2190.5194.52
Non-Interest Bearing Deposits / Deposits2.57n/an/a
Purchased Liabilities9.4811.288.14

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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