SAFE & SOUND® STAR RATINGS

Financial statement

AUTO CLUB TRUST, FSB

DEARBORN, Michigan 48126

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$72,061$66,008$70,848
Loans Receivable, Net25,48417,56811,723
Mortgage-Backed Securities31,83933,89244,961
Investments8,8818,4819,208
Deposits29,43121,58818,593
Borrowings1,00000
Equity40,66843,25051,394
Net Interest Income8011,5731,479
Fee Income28941126
Overhead4,8037,7145,527
Net Operating Income-3,700-5,578-3,406
Net Income-3,700-5,578-3,406
Ratio Analysis Profitability%%%
Return on Assets *-10.44-8.12-4.83
Operating Return on Assets *-10.44-8.12-4.83
Return on Equity *-16.35-12.00-6.45
Net Interest Margin *2.532.402.17
Fee Income / Assets *0.760.600.04
Overhead / Assets *13.8211.237.84
Efficiency Ratio394.98342.39262.07
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets74.6774.7376.60
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets5.403.633.61
Capitalization%%%
Equity / Assets56.4465.5272.54
Tangible Capital / Tangible Assets56.4465.5272.54
Risk-based Capital Ratio125.44157.32185.37
Liquidity%%%
Loans / Deposits86.5981.3863.05
Non-Interest Bearing Deposits / Deposits3.545.984.21
Purchased Liabilities3.732.873.74

* Calculations are based on the latest four quarters of income and expense.
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