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 March 31, 2014
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$67,510$66,008$70,848
Loans Receivable, Net19,81617,56811,723
Mortgage-Backed Securities32,71833,89244,961
Investments8,6888,4819,208
Deposits23,56321,58818,593
Borrowings1,00000
Equity42,12543,25051,394
Net Interest Income3871,5731,479
Fee Income14041126
Overhead2,1567,7145,527
Net Operating Income-1,616-5,578-3,406
Net Income-1,616-5,578-3,406
Ratio Analysis Profitability%%%
Return on Assets *-8.82-8.12-4.83
Operating Return on Assets *-8.82-8.12-4.83
Return on Equity *-13.36-12.00-6.45
Net Interest Margin *2.472.402.17
Fee Income / Assets *0.680.600.04
Overhead / Assets *12.0311.237.84
Efficiency Ratio377.58342.39262.07
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 / Assets74.1674.7376.60
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets4.093.633.61
Capitalization%%%
Equity / Assets62.4065.5272.54
Tangible Capital / Tangible Assets62.4065.5272.54
Risk-based Capital Ratio147.13157.32185.37
Liquidity%%%
Loans / Deposits84.1081.3863.05
Non-Interest Bearing Deposits / Deposits5.045.984.21
Purchased Liabilities3.822.873.74

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