Institution Statistics
| Auto Club Trust, FSB | | OTS # | 15850 | | FDIC Certificate # | 35115 | | BankRate Report | View | | Year Established | 1999 | | Employees | 15 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $70.77 million | | Loans | $1.23 million | | Deposits | $15.53 million | | Equity Capital | $54.34 million | | Loan Loss Allowance | $19,000 |
Historic Data - December 2010 | | Assets | $6.43 million | | Equity Capital | $5.93 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.4% | | Return on Assets | -6.17% | | Return on Equity | -7.4% | | Interest Income | $1.09 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Auto Club Trust, FSB had $0 in non-current loans and owned real-estate with $54.36 million in equity and loan loss allowances on hand to cover it. This gives Auto Club Trust, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Auto Club Trust, FSB has increased its total deposits by $15.03 million, resulting in 3,006% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Auto Club Trust, FSB has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Auto Club Trust, FSB has $70.77 million in assets with $54.36 million in equity, resulting in a capitalization level of 76.82%, which is excellent. |
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