Auto Club Trust, FSB in city_name, state_name - Detailed Financial Reports, Location

Auto Club Trust, FSB in Dearborn, Michigan (MI), NE
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Auto Club Trust, FSB - Overview

General
FDIC Certificate #: 35115
Status: Active
Federal Reserve ID: 2860459
Date Established: November 30, 1999
WWW: http://www.autoclubtrust.comaaabanknebraska
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: Yes)
OTS Docket #: 15850
FDIC's unique #: 74904
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: November 30, 1999
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: One Auto Club Drive, Dearborn, MI 48126
County: Wayne
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Detroit
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Detroit, MI (#2160)
Consolidated Metropolitan Statistical Area (CMSA): Detroit-Ann Arbor-Flint, MI (#35)
Combined Statistical Area (CSA): Detroit-Warren-Flint, MI (#220)
Core Based Statistical Area (CBSA): Detroit-Warren-Livonia, MI (#19820)
CBSA Metro Statistical Area: Detroit-Warren-Livonia, MI (#19820)
Core Based Statistical Division: Detroit-Livonia-Dearborn, MI (#19804)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $70.8 mil
Equity capital: $54.3 mil
Deposits held in domestic offices: $15.5 mil
Return on assets (ROA): -6.17% (-$4.4 mil)
Quarterly return on assets: -4.15% (-$2.9 mil)
Return on Equity (ROE): -7.40% (-$4.0 mil)
Quarterly return on equity: -5.35% (-$2.9 mil)
Net income: -$2.6 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: -6.17% (-$4,366.3 mil)
Quarterly Pretax return on assets: -4.15% (-$2,936.8 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
15Total employees (full-time equivalent)
$70,766Total assets
$1,773Cash and due from depository institutions
$1,622Interest-bearing balances
$66,631Securities
$0Federal funds sold & reverse repurchase agreements
$1,231Net loans & leases
$19Loan loss allowance
$0Trading account assets
$692Bank premises and fixed assets
$0Other real estate owned
$62Goodwill and other intangibles
$70,766Life insurance assets
$377All other assets
$16,422Total liabilities and capital
$15,530Total liabilities
$15,153Total deposits
$15,530Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$892Subordinated debt
$54,344All other liabilities
$54,344Total equity capital
$54,344Total bank equity capital
$0Perpetual preferred stock
$21,808Common stock
$35,491Surplus
$-2,955Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$233Long-term assets (5+ years)
$69,484Average Assets, year-to-date
$0Average Assets, quarterly
$42,162Volatile liabilities
$70,437Insider loans
$15,409FHLB advances
$69,542Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$53,120Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,088Total interest income
$97Total interest expense
$991Net interest income
$19Provision for loan and lease losses
$251Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$251Additional noninterest income
$3,825Total noninterest expense
$1,690Salaries and employee benefits
$592Premises and equipment expense
$1,543Additional noninterest expense
-$2,602Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$2,602Income before extraordinary items
$0Extraordinary gains - net
-$2,602Net income attributable to bank
$0Net charge-offs
-$2,602Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
2.64%Yield on earning assets
0.24%Cost of funding earning assets
2.40%Net interest margin
0.61%Noninterest income to earning assets
9.28%Noninterest expense to earning assets
-6.17%Net operating income to assets
-6.17%Return on assets (ROA)
-6.17%Pretax return on assets
-7.40%Return on equity (ROE)
-7.40%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
307,166Assets per employee
4.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
7.93%Net loans and leases to core deposits
9.20%Equity capital to assets
76.79%Core capital (leverage) ratio
76.39%Tier 1 risk-based capital ratio
344.73%Total risk-based capital ratio
Memoranda
$345Average assets
$42,162Average earning assets
$35,165Average equity
$41,222Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$28,952Managed Assets
1Number of Accounts
$28,942Personal trust and agency accounts
$2,444Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$17,983Corporate trust and agency accounts
$0Investment management agency accounts
$8,515Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
208Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$10Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

1 Michigan Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	74904	Auto Club Trust, Fsb	One Auto Club Drive, Dearborn, MI 48126	November 30, 1999	Full Service Brick and Mortar

1 Nebraska Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
1	521912	Aaa Bank Nebraska Branch	132nd & Center Branch, Omaha, NE 68144	June 01, 2011	Full Service Brick and Mortar

Auto Club Trust, FSB in Dearborn, Michigan (MI), NE
Overview, Financial Summary, Detailed Financial Reports, Branches

Auto Club Trust, FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Auto Club Trust, FSB in Dearborn, Michigan (MI), NEOverview, Financial Summary, Detailed Financial Reports, Branches

Auto Club Trust, FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Auto Club Trust, FSB in Dearborn, Michigan (MI), NE
Overview, Financial Summary, Detailed Financial Reports, Branches