American Savings, FSB

American Savings, FSB is headquartered in Munster and is the 72^nd largest bank in the state of Indiana. It is also the 3,382^nd largest bank in the nation. It was established in 1910 and as of December of 2011, it had grown to 34 employees at 4 locations. American Savings, FSB has a 4-star health rating.

American Savings, FSB Checking Account Rates

American Savings, FSB Savings Account Rates

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American Savings, FSB IRA Rates

Data for Q4 2011

Institution Statistics American Savings, FSB OTS # 04247 FDIC Certificate # 29878 BankRate Report View Year Established 1910 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $179.06 million Loans $129.65 million Deposits $155.92 million Equity Capital $18.13 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $3.70 million Real Estate Owned $1.21 million Historic Data - December 2010 Assets $180.35 million Equity Capital $17.27 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $1.76 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.47% Return on Equity 4.77% Interest Income $8.14 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, 2011 American Savings, FSB had $4.9 million in non-current loans and owned real-estate with $19.46 million in equity and loan loss allowances on hand to cover it. This gives American Savings, FSB a Texas Ratio of 25.18% 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, FSB decreased slightly from 35.03% as of December 31, 2010 to 25.18% as of December 31, 2011, resulting in a positive change of 28.13%.This indicates that the balance sheet and financial strength for American Savings, FSB has improved slightly in recent periods. Deposit Growth In the past year, American Savings, FSB has increased its total deposits by $4.99 million, resulting in 3.31% 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, FSB has shown is above 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, FSB has $179.06 million in assets with $19.46 million in equity, resulting in a capitalization level of 10.87%, which is above average.

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