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SAFE & SOUND® STAR RATINGS

AUTO CLUB TRUST, FSB


DEARBORN, Michigan 48126

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$189,913$78,549$66,008
Loans Receivable, Net56,10337,58017,568
Mortgage-Backed Securities90,49929,30333,892
Investments31,8675,8558,481
Deposits144,97339,89621,588
Borrowings73500
Equity43,05537,77343,250
Net Interest Income1,9451,5441,573
Fee Income491612411
Overhead5,7698,9427,714
Net Operating Income-3,377-6,784-5,578
Net Income-3,377-6,784-5,578
Ratio Analysis Profitability%%%
Return on Assets *-3.81-9.43-8.12
Operating Return on Assets *-3.81-9.43-8.12
Return on Equity *-11.37-17.02-12.00
Net Interest Margin *1.662.182.40
Fee Income / Assets *0.510.850.60
Overhead / Assets *6.1112.4311.23
Efficiency Ratio215.58371.35342.39
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 / Assets74.4079.4574.73
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets3.226.373.63
Capitalization%%%
Equity / Assets22.6748.0965.52
Tangible Capital / Tangible Assets22.6748.0965.52
Risk-based Capital Ratio52.59105.76157.32
Liquidity%%%
Loans / Deposits38.7094.1981.38
Non-Interest Bearing Deposits / Deposits1.133.075.98
Purchased Liabilities16.171.842.87

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