SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN SAVINGS BANK
701 NORTH UNIVERSITY BOULEVARD
MIDDLETOWN, Ohio 45042

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$38,085$38,705$40,114
Loans Receivable, Net26,80126,98028,348
Mortgage-Backed Securities190208286
Investments9141,0291,336
Deposits28,95229,54730,412
Borrowings1,3961,4071,976
Equity7,0387,0276,874
Net Interest Income3751,5891,740
Fee Income93689
Overhead4131,6641,696
Net Operating Income9130340
Net Income13115273
Ratio Analysis Profitability%%%
Return on Assets *0.030.290.68
Operating Return on Assets *-0.030.330.85
Return on Equity *0.191.644.04
Net Interest Margin *4.734.804.96
Fee Income / Assets *0.090.090.22
Overhead / Assets *4.264.234.23
Efficiency Ratio98.3389.3278.74
Asset Quality%%%
Nonperforming Assets / Assets0.700.380.38
Nonperforming Assets / Equity & Loss Reserves3.622.032.10
Loss Reserves / Nonperforming Loans114.66206.04205.96
1-4 Fam Mtg + MBS / Assets52.2950.4952.11
Commercial Real Estate Loans / Assets13.9715.0614.32
Construction Loans / Assets0.580.581.13
Commercial & Industrial Loans / Assets4.014.053.15
Consumer Loans / Assets1.021.051.65
Capitalization%%%
Equity / Assets18.4818.1617.14
Tangible Capital / Tangible Assets18.4818.1617.14
Risk-based Capital Ratio31.1430.5529.40
Liquidity%%%
Loans / Deposits92.5791.3193.21
Non-Interest Bearing Deposits / Deposits9.1110.322.57
Purchased Liabilities6.636.579.48

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