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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, 2015
Federal Reserve System Identifier 12179




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$38,282$38,954$38,705
Loans Receivable, Net27,73427,22526,980
Mortgage-Backed Securities131143208
Investments8178011,029
Deposits28,95929,55329,547
Borrowings1,3361,3471,407
Equity7,6767,6517,027
Net Interest Income3611,5241,589
Fee Income73436
Overhead4081,6841,664
Net Operating Income24614130
Net Income21629115
Ratio Analysis Profitability%%%
Return on Assets *1.661.640.29
Operating Return on Assets *1.641.600.33
Return on Equity *8.688.761.64
Net Interest Margin *4.824.894.80
Fee Income / Assets *0.080.090.09
Overhead / Assets *4.384.404.23
Efficiency Ratio100.0071.3389.32
Asset Quality%%%
Nonperforming Assets / Assets0.200.370.38
Nonperforming Assets / Equity & Loss Reserves0.981.842.03
Loss Reserves / Nonperforming Loans353.85215.63206.04
1-4 Fam Mtg + MBS / Assets54.0953.1150.49
Commercial Real Estate Loans / Assets12.7811.9815.06
Construction Loans / Assets1.241.120.58
Commercial & Industrial Loans / Assets4.884.264.05
Consumer Loans / Assets0.670.651.05
Capitalization%%%
Equity / Assets20.0519.6418.16
Tangible Capital / Tangible Assets20.0519.6418.16
Risk-based Capital Ratio35.9135.3330.55
Liquidity%%%
Loans / Deposits95.7792.1291.31
Non-Interest Bearing Deposits / Deposits10.9412.3810.32
Purchased Liabilities6.436.326.57

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