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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, 2012
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$70,848$70,766$6,429
Loans Receivable, Net11,7231,2330
Mortgage-Backed Securities44,96166,8625,885
Investments9,20800
Deposits18,59315,530500
Borrowings000
Equity51,39454,3445,926
Net Interest Income1,479991233
Fee Income26251225
Overhead5,5273,825419
Net Operating Income-3,406-2,60239
Net Income-3,406-7316
Ratio Analysis Profitability%%%
Return on Assets *-4.83-5.930.35
Operating Return on Assets *-4.83-5.930.60
Return on Equity *-6.45-6.130.39
Net Interest Margin *2.171.983.68
Fee Income / Assets *0.040.353.50
Overhead / Assets *7.848.726.44
Efficiency Ratio262.07276249160
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/a1.54n/a
1-4 Fam Mtg + MBS / Assets76.6094.4891.54
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets3.611.770.00
Capitalization%%%
Equity / Assets72.5476.7992.18
Tangible Capital / Tangible Assets72.5476.7792.18
Risk-based Capital Ratio185.37344.86414.34
Liquidity%%%
Loans / Deposits63.057.940.00
Non-Interest Bearing Deposits / Deposits4.21n/an/a
Purchased Liabilities3.743.427.78

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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