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SAFE & SOUND® STAR RATINGS

AMERICAN SAVINGS BANK


MIDDLETOWN, Ohio 45042

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$38,954$38,705$40,114
Loans Receivable, Net27,22526,98028,348
Mortgage-Backed Securities143208286
Investments8011,0291,336
Deposits29,55329,54730,412
Borrowings1,3471,4071,976
Equity7,6517,0276,874
Net Interest Income1,5241,5891,740
Fee Income343689
Overhead1,6841,6641,696
Net Operating Income614130340
Net Income629115273
Ratio Analysis Profitability%%%
Return on Assets *1.640.290.68
Operating Return on Assets *1.600.330.85
Return on Equity *8.761.644.04
Net Interest Margin *4.894.804.96
Fee Income / Assets *0.090.090.22
Overhead / Assets *4.404.234.23
Efficiency Ratio71.3389.3278.74
Asset Quality%%%
Nonperforming Assets / Assets0.370.380.38
Nonperforming Assets / Equity & Loss Reserves1.842.032.10
Loss Reserves / Nonperforming Loans215.63206.04205.96
1-4 Fam Mtg + MBS / Assets53.1150.4952.11
Commercial Real Estate Loans / Assets11.9815.0614.32
Construction Loans / Assets1.120.581.13
Commercial & Industrial Loans / Assets4.264.053.15
Consumer Loans / Assets0.651.051.65
Capitalization%%%
Equity / Assets19.6418.1617.14
Tangible Capital / Tangible Assets19.6418.1617.14
Risk-based Capital Ratio35.3330.5529.40
Liquidity%%%
Loans / Deposits92.1291.3193.21
Non-Interest Bearing Deposits / Deposits12.3810.322.57
Purchased Liabilities6.326.579.48

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