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SAFE & SOUND® STAR RATINGS

AMERICAN SAVINGS BANK


MIDDLETOWN, Ohio 45042

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$38,198$38,548$38,954
Loans Receivable, Net29,59928,79927,225
Mortgage-Backed Securities8092143
Investments957938801
Deposits28,78129,15829,553
Borrowings1,2771,2881,347
Equity7,7357,6857,651
Net Interest Income3701,4601,524
Fee Income63034
Overhead4091,6941,684
Net Operating Income5327614
Net Income4536629
Ratio Analysis Profitability%%%
Return on Assets *0.150.091.64
Operating Return on Assets *0.140.071.60
Return on Equity *0.780.478.76
Net Interest Margin *4.434.444.89
Fee Income / Assets *0.070.080.09
Overhead / Assets *4.344.334.40
Efficiency Ratio95.5699.3071.33
Asset Quality%%%
Nonperforming Assets / Assets0.150.120.37
Nonperforming Assets / Equity & Loss Reserves0.720.581.84
Loss Reserves / Nonperforming Loans412.28582.61215.63
1-4 Fam Mtg + MBS / Assets51.1851.5853.11
Commercial Real Estate Loans / Assets16.7015.9111.98
Construction Loans / Assets0.570.501.12
Commercial & Industrial Loans / Assets7.845.744.26
Consumer Loans / Assets1.581.440.65
Capitalization%%%
Equity / Assets20.2519.9419.64
Tangible Capital / Tangible Assets20.2519.9419.64
Risk-based Capital Ratio31.7032.3735.33
Liquidity%%%
Loans / Deposits102.8498.7792.12
Non-Interest Bearing Deposits / Deposits14.2415.5712.38
Purchased Liabilities5.665.616.32

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