SAFE & SOUND® STAR RATINGS

Financial statement

AUTO CLUB TRUST, FSB
1 AUTO CLUB DRIVE
DEARBORN, Michigan 48126

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$66,008$70,848$70,766
Loans Receivable, Net17,56811,7231,233
Mortgage-Backed Securities33,89244,96166,862
Investments8,4819,2080
Deposits21,58818,59315,530
Borrowings000
Equity43,25051,39454,344
Net Interest Income1,5731,479991
Fee Income41126251
Overhead7,7145,5273,825
Net Operating Income-5,578-3,406-2,602
Net Income-5,578-3,406-731
Ratio Analysis Profitability%%%
Return on Assets *-8.12-4.83-5.93
Operating Return on Assets *-8.12-4.83-5.93
Return on Equity *-12.00-6.45-6.13
Net Interest Margin *2.402.171.98
Fee Income / Assets *0.600.040.35
Overhead / Assets *11.237.848.72
Efficiency Ratio342.39262.0727624.00
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a1.54
1-4 Fam Mtg + MBS / Assets74.7376.6094.48
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets3.633.611.77
Capitalization%%%
Equity / Assets65.5272.5476.79
Tangible Capital / Tangible Assets65.5272.5476.77
Risk-based Capital Ratio157.32185.37344.86
Liquidity%%%
Loans / Deposits81.3863.057.94
Non-Interest Bearing Deposits / Deposits5.984.21n/a
Purchased Liabilities2.873.743.42

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