American Savings Bank, FSB

503 Chillicothe Street
Portsmouth, OH 45662
(866) 866-3177
www.asbportsmouth.com

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American Savings Bank, FSB is headquartered in Portsmouth and is the 68^th largest bank in the state of Ohio. It is also the 2,399^th largest bank in the nation. It was established in 1892 and as of December of 2012, it had grown to 61 employees at 6 locations. American Savings Bank, FSB has a 4-star health rating.

American Savings Bank, FSB Routing Number: 242272625

Kasasa Cash Reward Checking at American Savings Bank - Available Nationwide - 3/20/2013

Last November American Savings Bank, fsb began offering a reward checking account called Kasasa Cash. I just learned today that the bank has begun accepting applications from every state. For national ...

American Savings Bank (FSB) Begins Offering Kasasa Account (2%, $15K) (Forum) - 11/16/2012

This bank is 3-star rated. Qualifications for the Kasasa account: Minimum of 12 check card purchases post and clear Have one online bill payment or automatic payment (ACH) post and clear Receive free eStatements A Kasasa Saver account p

Top 5-Year And 4-Year CD Rates At American Savings Bank (Forum) - 5/25/2011

American Savings Bank is offering two very competitive long-term CD rates as of 5/25/2011: 3.00% APY for 5 years and 2.75% APY for 4 years. Minimum deposit is $500. It's a small bank with four branches in Ohio and Kentucky. However, according to this Ba

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See Rates for: Checking | Savings | Money Market

American Savings Bank, FSB Checking Account Rates

Apy	Min	Max	Product
2.00%	-	$15k	Kasasa Cash
0.01%	$500	-	Basic Business Checking

American Savings Bank, FSB Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$15k	kasasa Saver
0.15%	$100k	-	Statement Savings Account
0.15%	$10k	-	Health Savings Account
0.05%	-	-	Christmas Club

American Savings Bank, FSB Money Market Rates

	Apy	Min	Max	Product
	0.25%	$50k	-	Investors Money Market Account

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

American Savings Bank, FSB
OTS #	12609
FDIC Certificate #	29597
BankRate Report	View
Year Established	1892
Employees	61
Primary Regulator	OCC
Assets and Liabilities
Assets	$268.24 million
Loans	$194.60 million
Deposits	$233.88 million
Equity Capital	$18.29 million
Loan Loss Allowance	$2.44 million
Unbacked Noncurrent Loans	$5.49 million
Real Estate Owned	$319,000
Historic Data - December 2011
Assets	$226.38 million
Equity Capital	$19.42 million
Loan Loss Allowance	$1.85 million
Unbacked Noncurrent Loans	$8.35 million
Real Estate Owned	$805,000
Profit Margin - Quarterly
Net Interest Margin	3.5%
Return on Assets	0.36%
Return on Equity	4.47%
Interest Income	$10.19 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 American Savings Bank, FSB had $5.81 million in non-current loans and owned real-estate with $20.72 million in equity and loan loss allowances on hand to cover it. This gives American Savings Bank, FSB a Texas Ratio of 28.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for American Savings Bank, FSB decreased slightly from 43.06% as of December 31, 2011 to 28.06% as of December 31, 2012, resulting in a positive change of 34.84%.This indicates that the balance sheet and financial strength for American Savings Bank, FSB has improved slightly in recent periods.
Deposit Growth
In the past year, American Savings Bank, FSB has increased its total deposits by $41.52 million, resulting in 21.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Savings Bank, FSB has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Savings Bank, FSB has $268.24 million in assets with $20.72 million in equity, resulting in a capitalization level of 7.72%, which is below average.