SAFE & SOUND® STAR RATINGS

Financial statement

AUTO CLUB TRUST, FSB

DEARBORN, Michigan 48126

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$75,717$66,008$70,848
Loans Receivable, Net31,30017,56811,723
Mortgage-Backed Securities30,30733,89244,961
Investments8,8138,4819,208
Deposits35,07321,58818,593
Borrowings1,00000
Equity38,84843,25051,394
Net Interest Income1,2021,5731,479
Fee Income45641126
Overhead7,0017,7145,527
Net Operating Income-5,346-5,578-3,406
Net Income-5,346-5,578-3,406
Ratio Analysis Profitability%%%
Return on Assets *-10.23-8.12-4.83
Operating Return on Assets *-10.23-8.12-4.83
Return on Equity *-16.65-12.00-6.45
Net Interest Margin *2.492.402.17
Fee Income / Assets *0.810.600.04
Overhead / Assets *13.5811.237.84
Efficiency Ratio377.62342.39262.07
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 / Assets75.7674.7376.60
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets6.223.633.61
Capitalization%%%
Equity / Assets51.3165.5272.54
Tangible Capital / Tangible Assets51.3165.5272.54
Risk-based Capital Ratio109.93157.32185.37
Liquidity%%%
Loans / Deposits89.2481.3863.05
Non-Interest Bearing Deposits / Deposits4.135.984.21
Purchased Liabilities3.682.873.74

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