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SAFE & SOUND® STAR RATINGS

AMERICAN UNION SAVINGS AND LOAN ASSOCIATION, S.B.

2601 WEST DIVISION STREET
CHICAGO, Illinois 60622

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 365875




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$6,799$6,727$6,800
Loans Receivable, Net2,1982,2222,456
Mortgage-Backed Securities2,8532,9932,871
Investments408408410
Deposits5,9805,9005,957
Borrowings000
Equity802807824
Net Interest Income53225264
Fee Income000
Overhead59244257
Net Operating Income-6-1410
Net Income-6-1410
Ratio Analysis Profitability%%%
Return on Assets *-0.25-0.200.15
Operating Return on Assets *-0.25-0.200.15
Return on Equity *-2.10-1.721.23
Net Interest Margin *3.793.844.46
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.583.573.78
Efficiency Ratio111.32106.0996.25
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 / Assets74.1077.2978.06
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.190.240.28
Capitalization%%%
Equity / Assets11.8012.0012.12
Tangible Capital / Tangible Assets11.8012.0012.12
Risk-based Capital Ratio40.7040.7739.44
Liquidity%%%
Loans / Deposits36.7637.6641.23
Non-Interest Bearing Deposits / Deposits0.420.610.72
Purchased Liabilities0.000.000.00

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