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SAFE & SOUND® STAR RATINGS

AMERICAN HEARTLAND BANK AND TRUST

799 HEARTLAND DRIVE
SUGAR GROVE, Illinois 60554

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of December 31, 2014
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$136,406$127,058$108,315
Loans Receivable, Net111,294104,46585,574
Mortgage-Backed Securities000
Investments7,6718,0749,083
Deposits102,430103,37895,088
Borrowings18,50010,0002,000
Equity15,02613,33910,864
Net Interest Income4,9924,2663,682
Fee Income373424
Overhead3,3403,9435,003
Net Operating Income704533378
Net Income704533378
Ratio Analysis Profitability%%%
Return on Assets *0.550.490.39
Operating Return on Assets *0.550.490.39
Return on Equity *4.774.063.42
Net Interest Margin *4.003.963.90
Fee Income / Assets *0.030.030.02
Overhead / Assets *2.613.605.10
Efficiency Ratio71.1484.6983.83
Asset Quality%%%
Nonperforming Assets / Assets2.965.099.81
Nonperforming Assets / Equity & Loss Reserves22.6339.0369.00
Loss Reserves / Nonperforming Loans124.7860.4052.41
1-4 Fam Mtg + MBS / Assets14.3013.6026.28
Commercial Real Estate Loans / Assets50.2849.0140.69
Construction Loans / Assets4.273.704.33
Commercial & Industrial Loans / Assets14.4517.9111.58
Consumer Loans / Assets0.140.230.23
Capitalization%%%
Equity / Assets11.0210.5010.03
Tangible Capital / Tangible Assets11.0210.5010.03
Risk-based Capital Ratio13.6313.0513.05
Liquidity%%%
Loans / Deposits108.65101.0589.99
Non-Interest Bearing Deposits / Deposits7.568.056.81
Purchased Liabilities19.0612.294.01

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