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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, 2015
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$38,548$38,954$38,705
Loans Receivable, Net28,79927,22526,980
Mortgage-Backed Securities92143208
Investments9388011,029
Deposits29,15829,55329,547
Borrowings1,2881,3471,407
Equity7,6857,6517,027
Net Interest Income1,4601,5241,589
Fee Income303436
Overhead1,6941,6841,664
Net Operating Income27614130
Net Income36629115
Ratio Analysis Profitability%%%
Return on Assets *0.091.640.29
Operating Return on Assets *0.071.600.33
Return on Equity *0.478.761.64
Net Interest Margin *4.444.894.80
Fee Income / Assets *0.080.090.09
Overhead / Assets *4.334.404.23
Efficiency Ratio99.3071.3389.32
Asset Quality%%%
Nonperforming Assets / Assets0.120.370.38
Nonperforming Assets / Equity & Loss Reserves0.581.842.03
Loss Reserves / Nonperforming Loans582.61215.63206.04
1-4 Fam Mtg + MBS / Assets51.5853.1150.49
Commercial Real Estate Loans / Assets15.9111.9815.06
Construction Loans / Assets0.501.120.58
Commercial & Industrial Loans / Assets5.744.264.05
Consumer Loans / Assets1.440.651.05
Capitalization%%%
Equity / Assets19.9419.6418.16
Tangible Capital / Tangible Assets19.9419.6418.16
Risk-based Capital Ratio32.3735.3330.55
Liquidity%%%
Loans / Deposits98.7792.1291.31
Non-Interest Bearing Deposits / Deposits15.5712.3810.32
Purchased Liabilities5.616.326.57

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