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, 2013
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$38,705$40,114$40,319
Loans Receivable, Net26,98028,34829,726
Mortgage-Backed Securities208286200
Investments1,0291,3361,575
Deposits29,54730,41232,843
Borrowings1,4071,9760
Equity7,0276,8746,607
Net Interest Income1,5891,7401,616
Fee Income3689150
Overhead1,6641,6961,535
Net Operating Income130340110
Net Income115273-11
Ratio Analysis Profitability%%%
Return on Assets *0.290.680.13
Operating Return on Assets *0.330.850.28
Return on Equity *1.644.040.79
Net Interest Margin *4.804.964.66
Fee Income / Assets *0.090.220.37
Overhead / Assets *4.234.233.87
Efficiency Ratio89.3278.748350.00
Asset Quality%%%
Nonperforming Assets / Assets0.380.380.70
Nonperforming Assets / Equity & Loss Reserves2.032.104.09
Loss Reserves / Nonperforming Loans206.04205.961.00
1-4 Fam Mtg + MBS / Assets50.4952.1158.13
Commercial Real Estate Loans / Assets15.0614.3210.43
Construction Loans / Assets0.581.131.60
Commercial & Industrial Loans / Assets4.053.153.13
Consumer Loans / Assets1.051.651.37
Capitalization%%%
Equity / Assets18.1617.1416.39
Tangible Capital / Tangible Assets18.1617.1416.39
Risk-based Capital Ratio30.5529.4025.86
Liquidity%%%
Loans / Deposits91.3193.2190.51
Non-Interest Bearing Deposits / Deposits10.322.57n/a
Purchased Liabilities6.579.4811.28

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