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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, 2016
Federal Reserve System Identifier 2860459




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$319,440$242,024$78,549
Loans Receivable, Net158,095127,71037,580
Mortgage-Backed Securities107,91775,23029,303
Investments25,65425,0735,855
Deposits209,514169,94739,896
Borrowings51,00026,0000
Equity54,70542,30137,773
Net Interest Income1,3722,8791,544
Fee Income159647612
Overhead2,7118,4358,942
Net Operating Income79-3,015-6,784
Net Income79-3,015-6,784
Ratio Analysis Profitability%%%
Return on Assets *-0.88-1.90-9.43
Operating Return on Assets *-0.88-1.90-9.43
Return on Equity *-3.89-6.94-17.02
Net Interest Margin *1.701.622.18
Fee Income / Assets *0.320.410.85
Overhead / Assets *4.645.3012.43
Efficiency Ratio111.20124.14371.35
Asset Quality%%%
Nonperforming Assets / Assets0.030.000.00
Nonperforming Assets / Equity & Loss Reserves0.190.010.00
Loss Reserves / Nonperforming Loans1422.0231666.67n/a
1-4 Fam Mtg + MBS / Assets75.0874.0579.45
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets8.6810.596.37
Capitalization%%%
Equity / Assets17.1317.4848.09
Tangible Capital / Tangible Assets17.1317.4848.09
Risk-based Capital Ratio37.1336.26105.76
Liquidity%%%
Loans / Deposits75.4675.1594.19
Non-Interest Bearing Deposits / Deposits0.941.193.07
Purchased Liabilities31.9029.391.84

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