SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN UNION SAVINGS AND LOAN ASSOCIATION, S.B.
2601 WEST DIVISION STREET
CHICAGO, Illinois 60622

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 365875




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$6,917$6,800$6,709
Loans Receivable, Net2,4172,4562,656
Mortgage-Backed Securities2,9812,8712,404
Investments416410401
Deposits6,0745,9575,877
Borrowings000
Equity813824808
Net Interest Income112264238
Fee Income000
Overhead133257247
Net Operating Income-1710-6
Net Income-1710-6
Ratio Analysis Profitability%%%
Return on Assets *0.010.15-0.09
Operating Return on Assets *0.010.15-0.09
Return on Equity *0.121.23-0.75
Net Interest Margin *4.164.464.07
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.643.783.60
Efficiency Ratio114.6696.25102.49
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 / Assets77.7478.0675.06
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.300.280.36
Capitalization%%%
Equity / Assets11.7512.1212.04
Tangible Capital / Tangible Assets11.7512.1212.04
Risk-based Capital Ratio38.5339.4437.74
Liquidity%%%
Loans / Deposits39.7941.2345.19
Non-Interest Bearing Deposits / Deposits0.540.720.60
Purchased Liabilities0.000.000.00

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