Auto Club Trust Fsb Mortgage Rates, Fees & Info

Dearborn, MI

LEI: 549300IOVF643QHIZ598

Tax ID: 38-3498118

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Auto Club Trust Fsb is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Auto Club Trust Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Detroit, Atlanta, Tampa, Chicago, and Denver among others. We have data for 81 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Auto Club Trust Fsb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Auto Club Trust Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.00% 12/3/24
    30 Year Conventional Refi 6.40% 12/3/24
    30 Year Cash-out Refi 6.35% 12/3/24
    30 Year FHA Purchase 6.87% 12/3/24
    30 Year FHA Refi 6.27% 12/3/24
    30 Year VA Purchase 6.27% 12/3/24
    15 Year Conventional Purchase 5.45% 12/3/24
    15 Year Conventional Refi 6.02% 12/3/24
    15 Year Cash-out Refi 6.02% 12/3/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Auto Club Trust Fsb Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Auto Club Trust Fsb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    607

    Origination Dollar Volume (All Markets)

    $114,095,000

    Employee count

    92 Show all (15) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 101 $17,575,000 $174,010 $2,361 2.98%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 34 $7,100,000 $208,824 $2,910 2.76%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 36 $7,000,000 $194,444 $3,073 2.70%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 39 $6,865,000 $176,026 $2,477 2.74%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 26 $6,800,000 $261,538 $2,323 2.79%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 32 $6,750,000 $210,938 $2,664 2.80%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 28 $5,520,000 $197,143 $2,852 2.79%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 23 $4,645,000 $201,957 $2,720 2.81%
    ANN ARBOR, MI (FHA|USDA|VA) 15 $3,075,000 $205,000 $2,682 2.68%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $2,850,000 $203,571 $2,473 2.76%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 15 $2,845,000 $189,667 $2,299 2.65%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $2,350,000 $195,833 $2,178 2.93%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $2,260,000 $188,333 $3,174 2.68%
    Outside of Metro Areas 14 $2,160,000 $154,286 $2,574 2.68%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $2,135,000 $237,222 $2,878 2.86%
    THE VILLAGES, FL (FHA|USDA|VA) 11 $1,945,000 $176,818 $2,976 2.76%
    SAVANNAH, GA (FHA|USDA|VA) 7 $1,895,000 $270,714 $2,525 3.02%
    JACKSONVILLE, FL (FHA|USDA|VA) 9 $1,755,000 $195,000 $2,788 2.82%
    OCALA, FL (FHA|USDA|VA) 10 $1,670,000 $167,000 $2,972 2.99%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $1,525,000 $217,857 $1,878 2.77%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $1,485,000 $165,000 $2,849 2.90%
    RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,450,000 $241,667 $2,338 2.81%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $1,370,000 $137,000 $2,312 2.51%
    GAINESVILLE, FL (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,347 2.90%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $1,275,000 $141,667 $2,568 2.90%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $1,975 3.03%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,075,000 $153,571 $2,625 2.91%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 7 $1,055,000 $150,714 $2,237 2.64%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $880,000 $220,000 $2,047 2.78%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $740,000 $123,333 $2,594 2.77%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $730,000 $182,500 $3,058 2.84%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $670,000 $111,667 $2,216 2.65%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $620,000 $155,000 $1,941 2.41%
    GREELEY, CO (FHA|USDA|VA) 2 $580,000 $290,000 $2,296 2.69%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $540,000 $135,000 $1,891 3.12%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $535,000 $178,333 $2,380 2.79%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $435,000 $145,000 $1,903 2.50%
    ROCHESTER, MN (FHA|USDA|VA) 2 $430,000 $215,000 $3,235 2.50%
    FLINT, MI (FHA|USDA|VA) 4 $410,000 $102,500 $1,998 2.91%
    MADISON, WI (FHA|USDA|VA) 2 $400,000 $200,000 $1,915 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $370,000 $185,000 $2,494 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $370,000 $185,000 $1,919 2.56%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $2,899 2.75%
    Traverse City, MI (FHA|USDA|VA) 2 $340,000 $170,000 $2,413 3.43%
    BOULDER, CO (FHA|USDA|VA) 2 $330,000 $165,000 $1,906 2.75%
    Sevierville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,211 3.25%
    LINCOLN, NE (FHA|USDA|VA) 2 $300,000 $150,000 $2,908 3.31%
    Breckenridge, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,006 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $280,000 $140,000 $3,833 2.69%
    BATTLE CREEK, MI (FHA|USDA|VA) 2 $270,000 $135,000 $2,411 3.13%
    VALDOSTA, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,140 2.50%
    BISMARCK, ND (FHA|USDA|VA) 1 $245,000 $245,000 $2,125 2.63%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $220,000 $110,000 $2,614 2.06%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $220,000 $110,000 $1,567 2.75%
    Edwards, CO (FHA|USDA|VA) 1 $215,000 $215,000 $2,831 2.75%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,504 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,186 2.63%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,191 3.13%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $205,000 $205,000 $1,445 2.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $200,000 $100,000 $2,229 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $6,242 2.75%
    Sanford, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,266 3.13%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,906 2.88%
    NEW BERN, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,188 2.63%
    BAY CITY, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,298 2.75%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,498 2.38%
    Hutchinson, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,241 2.88%
    Ottawa, IL (FHA|USDA|VA) 1 $165,000 $165,000 $5,049 3.13%
    MONROE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,491 2.88%
    ROCKFORD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,102 2.25%
    Boone, NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,463 3.13%
    St. Marys, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,356 3.00%
    Morehead City, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,014 3.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,802 3.00%
    WILMINGTON, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,671 2.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $95,000 $95,000 $943 2.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,686 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,169 2.63%
    Macomb, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,288 2.63%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $65,000 $65,000 $2,531 3.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $55,000 $55,000 $2,424 2.50%
    Auto Club Trust Fsb's top markets include Detroit, Atlanta, Tampa, Chicago, and Denver among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Auto Club Trust FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
    Similarity Rank: 45
    Liberty Bank for Savings
    Similarity Rank: 153
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 167
    Polish-American Federal Credit Union
    Similarity Rank: 212
    St James Mortgage Corporation
    Similarity Rank: 304
    Emory Alliance Credit Union
    Similarity Rank: 305
    T&I Credit union
    Similarity Rank: 618
    Credence Funding Corporation
    Similarity Rank: 707
    POWER FINANCIAL
    Similarity Rank: 768
    AMERITRUST MORTGAGE CORPORATION
    Similarity Rank: 861

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 607 $114,095,000 $187,965 $2,565 2.81%

    For 2021, Auto Club Trust Fsb's most frequently originated type of loan was Conventional, with 607 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 313 $55,645,000 $177,780 $2,326 2.67%
    Cash Out Refi 233 $43,715,000 $187,618 $2,659 2.87%
    Home Purchase 58 $14,420,000 $248,621 $3,502 3.36%
    Other 2 $160,000 $80,000 $2,187 2.75%
    Home Improvement 1 $155,000 $155,000 $1,808 2.63%

    For 2021, Auto Club Trust Fsb's most frequently cited loan purpose was Refi, with 313 originations. The 2nd most popular reason was Cash Out Refi, with 233 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 389 $79,415,000 $204,152 $2,732 2.98%
    15 Year 124 $19,860,000 $160,161 $2,272 2.43%
    20 Year 66 $11,580,000 $175,455 $2,291 2.73%
    10 Year 28 $3,240,000 $115,714 $2,175 2.29%

    For 2021, Auto Club Trust Fsb's most frequently cited loan duration was 30 Year, with 389 originations. The 2nd most popular length was 15 Year, with 124 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 468 $87,830,000 $187,671
    $1k-2k 101 $17,545,000 $173,713
    $2k-3k 18 $3,320,000 $184,444
    $3k-4k 10 $2,150,000 $215,000
    $5k+ 7 $2,455,000 $350,714
    $4k-5k 2 $590,000 $295,000

    Auto Club Trust Fsb's average total fees were $2,732, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 468 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 325 $62,625,000 $192,692
    <2.5% 152 $23,720,000 $156,053
    3-4% 116 $25,640,000 $221,034
    4-5% 14 $2,110,000 $150,714

    During 2021, Auto Club Trust Fsb's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 325 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 294 $42,940,000 $146,054 $2,384 2.80%
    $200k-400k 198 $52,550,000 $265,404 $2,912 2.86%
    $100,000 or less 94 $7,190,000 $76,489 $2,140 2.69%
    $400k-600k 19 $9,095,000 $478,684 $3,436 2.89%
    $1MM+ 1 $1,355,000 $1,355,000 $5,779 3.99%
    $600k-1MM 1 $965,000 $965,000 $7,622 3.50%

    2021 saw Auto Club Trust Fsb place emphasis on $100k-200k loans with 294 originations, totaling $42,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 157 $24,705,000 $157,357 $2,507 2.79%
    $75k-100k 118 $22,200,000 $188,136 $2,540 2.77%
    $50k or less 117 $13,615,000 $116,368 $2,343 2.97%
    $100k-150k 115 $25,155,000 $218,739 $2,581 2.75%
    $150k-250k 68 $18,160,000 $267,059 $2,615 2.72%
    $250k+ 18 $7,990,000 $443,889 $4,150 2.97%

    Auto Club Trust Fsb lent most frequently to those with incomes in the $50k-75k range, with 157 originations. The second most popular income band? $75k-100k, with 118 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 181 $33,705,000 $186,215 $2,467 2.74%
    30-36% 100 $18,640,000 $186,400 $2,590 2.85%
    <20% 90 $14,900,000 $165,556 $2,355 2.60%
    40% 25 $4,345,000 $173,800 $2,321 2.91%
    41% 23 $5,405,000 $235,000 $2,815 2.80%
    43% 22 $4,170,000 $189,545 $2,648 2.85%
    42% 19 $3,325,000 $175,000 $3,360 3.00%
    44% 19 $3,075,000 $161,842 $2,729 3.18%
    37% 18 $3,160,000 $175,556 $2,567 2.78%
    38% 17 $3,265,000 $192,059 $2,542 3.07%
    36% 16 $3,330,000 $208,125 $2,880 2.89%
    46% 15 $2,695,000 $179,667 $2,710 3.07%
    47% 15 $2,675,000 $178,333 $2,385 2.87%
    48% 13 $4,315,000 $331,923 $3,773 3.01%
    39% 12 $2,450,000 $204,167 $2,345 2.81%
    45% 12 $2,350,000 $195,833 $2,215 2.76%
    49% 8 $1,880,000 $235,000 $2,784 3.06%
    50-60% 2 $410,000 $205,000 $2,382 3.13%

    Auto Club Trust Fsb lent most frequently to those with DTI ratios of 20-30%, with 181 originations. The next most common DTI ratio? 30-36%, with 100 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 429 $80,245,000 $187,051 $2,554 2.78%
    Not provided 95 $18,485,000 $194,579 $2,474 2.72%
    Black 63 $11,825,000 $187,698 $2,806 3.21%
    Asian 16 $2,670,000 $166,875 $2,398 2.59%
    Asian Indian 1 $505,000 $505,000 $4,044 2.75%
    American Indian 2 $240,000 $120,000 $2,203 2.94%
    Native Hawaiian or Islander 1 $125,000 $125,000 $2,544 2.25%

    Approval Rates

    Total approvals of all applications
    85.32%

    Auto Club Trust Fsb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    36.74%

    Auto Club Trust Fsb has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 607 $114,095,000 $187,965

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    607 $114,095,000 $187,965

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 119 $15,925,000 $133,824 $2,287 2.60%
    40-60% 211 $38,105,000 $180,592 $2,339 2.71%
    60-80% 204 $45,440,000 $222,745 $2,824 2.91%
    80-100% 58 $12,800,000 $220,690 $3,111 3.32%
    Under 20% 15 $1,825,000 $121,667 $2,286 2.59%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Auto Club Trust, FSB One Auto Club Drive Dearborn, MI 48126 Full Service B&M $390,883

    For 2021, Auto Club Trust Fsb had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $18,791
    Net interest income $13,695
    Total noninterest income $10,846
    Gross Fiduciary activities income $860
    Service charges on deposit accounts $64
    Trading account gains and fees $0
    Additional Noninterest Income $9,922
    Pre-tax net operating income $-5,940
    Securities gains (or losses, -) $80
    Income before extraordinary items $-5,860
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $-5,860
    Minority interest net income $0
    Net income $-5,860
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $-5,940

    Auto Club Trust Fsb's gross interest income from loans was $18,791,000.
    Auto Club Trust Fsb's net interest income from loans was $13,695,000.
    Auto Club Trust Fsb's fee based income from loans was $64,000.
    Auto Club Trust Fsb's net income from loans was $-5,860,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,096
    Provision for credit losses $2,948
    Total noninterest expense $27,533
    Salaries and employee benefits $11,852
    Premises and equipment expense $862
    Additional noninterest expense $14,819
    Applicable income taxes $0
    Net charge-offs $800
    Cash dividends $0

    Auto Club Trust Fsb's interest expense for loans was $5,096,000.
    Auto Club Trust Fsb's payroll and benefits expense were $11,852,000.
    Auto Club Trust Fsb's property, plant and equipment expenses $862,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 2.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $386,655
    Deposits held in domestic offices $386,655
    Deposits by Individuals, partnerships, and corporations $369,123
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $17,532
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $14,905
    Demand deposits $14,791
    Nontransaction accounts $371,750
    Money market deposit accounts (MMDAs) $75,177
    Other savings deposits (excluding MMDAs) $36,360
    Total time deposits $260,214
    Total time and savings deposits $371,864
    Noninterest-bearing deposits $5,745
    Interest-bearing deposits $380,910
    Retail deposits $257,745
    IRAs and Keogh plan accounts $21,971
    Brokered deposits $102,563
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $579,580
    Cash & Balances due from depository institutions $15,769
    Interest-bearing balances $15,423
    Total securities $263,415
    Federal funds sold & reverse repurchase $0
    Net loans and leases $278,344
    Loan and leases loss allowance $4,568
    Trading account assets $0
    Bank premises and fixed assets $234
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $21,818

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $579,580
    Total Liabilities $521,923
    Total deposits $386,655
    Interest-bearing deposits $380,910
    Deposits held in domestic offices $386,655
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $132,000
    Subordinated debt $0
    All other liabilities $3,268

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $278,344
    Loan and leases loss allowance $4,568
    Total loans and leases (domestic) $282,912
    All real estate loans $104,484
    Real estate loans in domestic offices $104,484
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $0
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $0
    Multifamily residential real estate $0
    1-4 family residential loans $104,484
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $0
    To non-U.S. addressees $0
    Loans to individuals $178,428
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $106,783
    Other loans to individuals $71,645
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,354
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Auto Club Trust FSB had $278,344,000 of loans outstanding in 2021. $104,484,000 of loans were in real estate loans. $0 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $104,484,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $106,783,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan