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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 March 31, 2015
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$130,779$78,549$66,008
Loans Receivable, Net45,01237,58017,568
Mortgage-Backed Securities57,16029,30333,892
Investments18,1825,8558,481
Deposits84,04939,89621,588
Borrowings000
Equity45,79437,77343,250
Net Interest Income4511,5441,573
Fee Income158612411
Overhead1,7488,9427,714
Net Operating Income-1,159-6,784-5,578
Net Income-1,159-6,784-5,578
Ratio Analysis Profitability%%%
Return on Assets *-7.83-9.43-8.12
Operating Return on Assets *-7.83-9.43-8.12
Return on Equity *-15.52-17.02-12.00
Net Interest Margin *1.862.182.40
Fee Income / Assets *0.780.850.60
Overhead / Assets *10.5612.4311.23
Efficiency Ratio254.81371.35342.39
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 / Assets74.8079.4574.73
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets3.806.373.63
Capitalization%%%
Equity / Assets35.0248.0965.52
Tangible Capital / Tangible Assets35.0248.0965.52
Risk-based Capital Ratio81.32105.76157.32
Liquidity%%%
Loans / Deposits53.5594.1981.38
Non-Interest Bearing Deposits / Deposits1.963.075.98
Purchased Liabilities17.401.842.87

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