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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 December 31, 2015
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$242,024$78,549$66,008
Loans Receivable, Net127,71037,58017,568
Mortgage-Backed Securities75,23029,30333,892
Investments25,0735,8558,481
Deposits169,94739,89621,588
Borrowings26,00000
Equity42,30137,77343,250
Net Interest Income2,8791,5441,573
Fee Income647612411
Overhead8,4358,9427,714
Net Operating Income-3,015-6,784-5,578
Net Income-3,015-6,784-5,578
Ratio Analysis Profitability%%%
Return on Assets *-1.90-9.43-8.12
Operating Return on Assets *-1.90-9.43-8.12
Return on Equity *-6.94-17.02-12.00
Net Interest Margin *1.622.182.40
Fee Income / Assets *0.410.850.60
Overhead / Assets *5.3012.4311.23
Efficiency Ratio124.14371.35342.39
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.010.000.00
Loss Reserves / Nonperforming Loans31666.67n/an/a
1-4 Fam Mtg + MBS / Assets74.0579.4574.73
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets10.596.373.63
Capitalization%%%
Equity / Assets17.4848.0965.52
Tangible Capital / Tangible Assets17.4848.0965.52
Risk-based Capital Ratio36.26105.76157.32
Liquidity%%%
Loans / Deposits75.1594.1981.38
Non-Interest Bearing Deposits / Deposits1.193.075.98
Purchased Liabilities29.391.842.87

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