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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 December 31, 2014
Federal Reserve System Identifier 365875




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$6,727$6,800$6,709
Loans Receivable, Net2,2222,4562,656
Mortgage-Backed Securities2,9932,8712,404
Investments408410401
Deposits5,9005,9575,877
Borrowings000
Equity807824808
Net Interest Income225264238
Fee Income000
Overhead244257247
Net Operating Income-1410-6
Net Income-1410-6
Ratio Analysis Profitability%%%
Return on Assets *-0.200.15-0.09
Operating Return on Assets *-0.200.15-0.09
Return on Equity *-1.721.23-0.75
Net Interest Margin *3.844.464.07
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.573.783.60
Efficiency Ratio106.0996.25102.49
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 / Assets77.2978.0675.06
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.240.280.36
Capitalization%%%
Equity / Assets12.0012.1212.04
Tangible Capital / Tangible Assets12.0012.1212.04
Risk-based Capital Ratio40.7739.4437.74
Liquidity%%%
Loans / Deposits37.6641.2345.19
Non-Interest Bearing Deposits / Deposits0.610.720.60
Purchased Liabilities0.000.000.00

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