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 82^nd largest bank in the state of Ohio. It is also the 2,805^th largest bank in the nation. It was established in 1892 and as of December of 2011, it had grown to 48 employees at 4 locations. American Savings Bank, FSB has a 2-star health rating.

American Savings Bank, FSB Routing Number: 242272625

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 | CD | IRA

American Savings Bank, FSB Checking Account Rates

Apy	Min	Max	Product
0.10%	$500	-	NOW Account Checking
0.10%	$500	-	Basic Business Checking

American Savings Bank, FSB Savings Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	Statement Savings Account
0.40%	$10k	-	Health Savings Account
0.25%	-	-	Christmas Club

American Savings Bank, FSB Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Investors Money Market Account

American Savings Bank, FSB CD Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year Featured CD
1.40%	$500	-	4 Year Featured CD
1.00%	$500	-	3 Year w/ Special Features CD
0.90%	$500	-	30 Month CD
0.75%	$500	-	18 Month CD
0.75%	$500	-	2 Year CD
0.60%	$500	-	1 Year CD
0.50%	$2,500	-	6 Month CD
0.50%	$2,500	-	9 Month CD
0.25%	$2,500	-	3 Month CD

American Savings Bank, FSB IRA Rates

	Apy	Min	Max	Product
	1.50%	$500	-	18 Month IRA

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

American Savings Bank, FSB
OTS #	12609
FDIC Certificate #	29597
BankRate Report	View
Year Established	1892
Employees	48
Primary Regulator	OCC
Assets and Liabilities
Assets	$226.38 million
Loans	$167.00 million
Deposits	$192.36 million
Equity Capital	$19.42 million
Loan Loss Allowance	$1.85 million
Unbacked Noncurrent Loans	$8.35 million
Real Estate Owned	$805,000
Historic Data - December 2010
Assets	$231.36 million
Equity Capital	$18.46 million
Loan Loss Allowance	$2.23 million
Unbacked Noncurrent Loans	$5.87 million
Real Estate Owned	$643,000
Profit Margin - Quarterly
Net Interest Margin	3.93%
Return on Assets	0.84%
Return on Equity	9.8%
Interest Income	$10.93 million

Institution Health

Overall Score:

2 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, 2011 American Savings Bank, FSB had $9.16 million in non-current loans and owned real-estate with $21.27 million in equity and loan loss allowances on hand to cover it. This gives American Savings Bank, FSB a Texas Ratio of 43.06% which is below 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 increased slightly from 31.47% as of December 31, 2010 to 43.06% as of December 31, 2011, resulting in a negative change of 36.81%. This indicates that the balance sheet and financial strength for American Savings Bank, FSB has declined slightly in recent periods.
Deposit Growth
In the past year, American Savings Bank, FSB has increased its total deposits by $269,000, resulting in 0.14% 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 average.
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 $226.38 million in assets with $21.27 million in equity, resulting in a capitalization level of 9.40%, which is average.