American Savings Bank in Middletown, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American Savings Bank in Middletown, Ohio (OH)
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American Savings Bank - Overview

  • General
  • FDIC Certificate #: 29899
    Status: Active
    Federal Reserve ID: 12179
    Date Established: January 01, 1889
    WWW: http://www.amsavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4287
    FDIC's unique #: 42733
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 09, 1937
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 701 North University Boulevard, Middletown, OH 45042
    County: Butler
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Hamilton-Middletown, OH (#3200)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $40.4 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $33.0 mil
    Return on assets (ROA): 0.06% ($0.0 mil)
    Quarterly return on assets: -0.38% (-$0.2 mil)
    Return on Equity (ROE): 0.38% ($0.0 mil)
    Quarterly return on equity: -2.29% (-$0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.34% ($137.2 mil)
    Quarterly Pretax return on assets: -0.22% (-$88.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $40,358Total assets
  • $4,131Cash and due from depository institutions
  • $3,915Interest-bearing balances
  • $1,777Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,603Net loans & leases
  • $297Loan loss allowance
  • $0Trading account assets
  • $1,406Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $40,358Life insurance assets
  • $3,441All other assets
  • $33,743Total liabilities and capital
  • $32,960Total liabilities
  • $29,144Total deposits
  • $32,960Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $783Subordinated debt
  • $6,615All other liabilities
  • $6,615Total equity capital
  • $6,615Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $282Income earned, not collected on loans
  • $0Earning assets
  • $130Long-term assets (5+ years)
  • $35,295Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $39,654Volatile liabilities
  • $40,229Insider loans
  • $26,698FHLB advances
  • $40,344Loans and leases held for sale
  • $2,330Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,601Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $944Restructured Loans and leases
  • $223Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,930Total interest income
  • $314Total interest expense
  • $1,616Net interest income
  • $260Provision for loan and lease losses
  • $289Total noninterest income
  • $0Fiduciary activities
  • $37Service charges on deposit accounts
  • $0Trading account gains & fees
  • $252Additional noninterest income
  • $1,511Total noninterest expense
  • $884Salaries and employee benefits
  • $318Premises and equipment expense
  • $309Additional noninterest expense
  • $134Pre-tax net operating income
  • $0Securities gains (losses)
  • $109Applicable income taxes
  • $25Income before extraordinary items
  • $0Extraordinary gains - net
  • $25Net income attributable to bank
  • $0Net charge-offs
  • $25Cash dividends
  • $188Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 0.38%Return on equity (ROE)
  • 0.38%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 138.30%Credit loss provision to net charge-offs
  • 2.10%Efficiency ratio
  • 79,318Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 105.32%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 89.81%Net loans and leases to core deposits
  • 94.10%Equity capital to assets
  • 16.39%Core capital (leverage) ratio
  • 16.36%Tier 1 risk-based capital ratio
  • 24.72%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $39,654Average earning assets
  • $6,605Average equity
  • $34,506Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042733American Savings Bank701 North University Boulevard, Middletown, OH 45042January 01, 1889Full Service Brick and Mortar
    1002777214455 Roosevelt Blvd Branch4455 Roosevelt Blvd, Middletown, OH 45044January 01, 1889Full Service Brick and Mortar

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