American Savings Bank, FSB in Portsmouth, Ohio (OH), KY
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Savings Bank, FSB in Portsmouth, Ohio (OH), KY
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American Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 29597
    Status: Active
    Federal Reserve ID: 455879
    Date Established: January 01, 1892
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: Yes)
    OTS Docket #: 12609
    FDIC's unique #: 42431
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 27, 1948
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 503 Chillicothe Street, Portsmouth, OH 45662
    County: Scioto
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Portsmouth, OH (#39020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $226.4 mil
    Equity capital: $19.4 mil
    Deposits held in domestic offices: $192.4 mil
    Return on assets (ROA): 0.84% ($1.9 mil)
    Quarterly return on assets: 0.66% ($1.5 mil)
    Return on Equity (ROE): 9.80% ($1.9 mil)
    Quarterly return on equity: 7.49% ($1.4 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.12% ($2,535.4 mil)
    Quarterly Pretax return on assets: 0.88% ($1,992.1 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
  • 48Total employees (full-time equivalent)
  • $226,379Total assets
  • $2,408Cash and due from depository institutions
  • $1,147Interest-bearing balances
  • $45,197Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $167,001Net loans & leases
  • $1,851Loan loss allowance
  • $0Trading account assets
  • $2,371Bank premises and fixed assets
  • $805Other real estate owned
  • $222Goodwill and other intangibles
  • $226,379Life insurance assets
  • $8,375All other assets
  • $206,958Total liabilities and capital
  • $192,362Total liabilities
  • $180,472Total deposits
  • $192,362Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,538Trading liabilities
  • $0Other borrowed funds
  • $1,058Subordinated debt
  • $19,421All other liabilities
  • $19,421Total equity capital
  • $19,421Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $10,044Surplus
  • $9,376Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,354Income earned, not collected on loans
  • $0Earning assets
  • $936Long-term assets (5+ years)
  • $213,345Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $228,538Volatile liabilities
  • $228,070Insider loans
  • $137,426FHLB advances
  • $225,629Loans and leases held for sale
  • $4,064Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,850Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,326Restructured Loans and leases
  • $681Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,927Total interest income
  • $2,525Total interest expense
  • $8,402Net interest income
  • $1,035Provision for loan and lease losses
  • $1,025Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,025Additional noninterest income
  • $5,882Total noninterest expense
  • $3,049Salaries and employee benefits
  • $869Premises and equipment expense
  • $1,964Additional noninterest expense
  • $2,510Pre-tax net operating income
  • $51Securities gains (losses)
  • $650Applicable income taxes
  • $1,911Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,911Net income attributable to bank
  • $0Net charge-offs
  • $1,911Cash dividends
  • $1,408Sale, conversion, retirement of capital stock, net
  • $1,550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 9.80%Return on equity (ROE)
  • 1.85%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 73.51%Credit loss provision to net charge-offs
  • 2.52%Efficiency ratio
  • 61,982Assets per employee
  • 4.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.11%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 22.16%Noncurrent assets plus other real estate owned to assets
  • 4.05%Noncurrent loans to loans
  • 4.95%Net loans and leases to deposits
  • 86.82%Net loans and leases to core deposits
  • 94.17%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 13.72%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $228,538Average earning assets
  • $19,505Average equity
  • $213,535Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2254586South Shore Branch347 James Hannah Drive, South Shore, KY 41175December 31, 1983Full Service Brick and Mortar
  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042431American Savings Bank, Fsb503 Chillicothe Street, Portsmouth, OH 45662January 01, 1892Full Service Brick and Mortar
    142927Waverly Building And Loan Co. Branch118 N Market St, Waverly, OH 45690January 01, 1892Full Service Brick and Mortar
    34953627920 Ohio River Rd7920 Ohio River Rd, Wheelersburg, OH 45694June 30, 2005Full Service Brick and Mortar

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