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AUTO CLUB TRUST, FSB


DEARBORN, Michigan 48126

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$78,549$66,008$70,848
Loans Receivable, Net37,58017,56811,723
Mortgage-Backed Securities29,30333,89244,961
Investments5,8558,4819,208
Deposits39,89621,58818,593
Borrowings000
Equity37,77343,25051,394
Net Interest Income1,5441,5731,479
Fee Income61241126
Overhead8,9427,7145,527
Net Operating Income-6,784-5,578-3,406
Net Income-6,784-5,578-3,406
Ratio Analysis Profitability%%%
Return on Assets *-9.43-8.12-4.83
Operating Return on Assets *-9.43-8.12-4.83
Return on Equity *-17.02-12.00-6.45
Net Interest Margin *2.182.402.17
Fee Income / Assets *0.850.600.04
Overhead / Assets *12.4311.237.84
Efficiency Ratio371.35342.39262.07
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 / Assets79.4574.7376.60
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets6.373.633.61
Capitalization%%%
Equity / Assets48.0965.5272.54
Tangible Capital / Tangible Assets48.0965.5272.54
Risk-based Capital Ratio105.76157.32185.37
Liquidity%%%
Loans / Deposits94.1981.3863.05
Non-Interest Bearing Deposits / Deposits3.075.984.21
Purchased Liabilities1.842.873.74

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