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 December 31, 2013
Federal Reserve System Identifier 365875




Financial summary ($ in Thousands)
2013
12 months
2012
Year
Total Assets$6,800$6,709
Loans Receivable, Net2,4562,656
Mortgage-Backed Securities2,8712,404
Investments410401
Deposits5,9575,877
Borrowings00
Equity824808
Net Interest Income264238
Fee Income00
Overhead257247
Net Operating Income10-6
Net Income10-6
Ratio Analysis Profitability%%
Return on Assets *0.15-0.09
Operating Return on Assets *0.15-0.09
Return on Equity *1.23-0.75
Net Interest Margin *4.464.07
Fee Income / Assets *0.000.00
Overhead / Assets *3.783.60
Efficiency Ratio96.25102.49
Asset Quality%%
Nonperforming Assets / Assets0.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.00
Loss Reserves / Nonperforming Loansn/an/a
1-4 Fam Mtg + MBS / Assets78.0675.06
Commercial Real Estate Loans / Assets0.000.00
Construction Loans / Assets0.000.00
Commercial & Industrial Loans / Assets0.000.00
Consumer Loans / Assets0.280.36
Capitalization%%
Equity / Assets12.1212.04
Tangible Capital / Tangible Assets12.1212.04
Risk-based Capital Ratio39.4437.74
Liquidity%%
Loans / Deposits41.2345.19
Non-Interest Bearing Deposits / Deposits0.720.60
Purchased Liabilities0.000.00

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