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SAFE & SOUND® STAR RATINGS

AMERICAN HEARTLAND BANK AND TRUST

799 HEARTLAND DRIVE
SUGAR GROVE, Illinois 60554

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$150,656$136,406$127,058
Loans Receivable, Net124,037111,294104,465
Mortgage-Backed Securities000
Investments9,1127,6718,074
Deposits114,092102,430103,378
Borrowings20,00018,50010,000
Equity15,83415,02613,339
Net Interest Income3,8874,9924,266
Fee Income263734
Overhead2,4613,3403,943
Net Operating Income810704533
Net Income810704533
Ratio Analysis Profitability%%%
Return on Assets *0.730.550.49
Operating Return on Assets *0.730.550.49
Return on Equity *6.594.774.06
Net Interest Margin *3.844.003.96
Fee Income / Assets *0.030.030.03
Overhead / Assets *2.432.613.60
Efficiency Ratio68.9271.1484.69
Asset Quality%%%
Nonperforming Assets / Assets0.812.965.09
Nonperforming Assets / Equity & Loss Reserves6.6522.6339.03
Loss Reserves / Nonperforming Loans620.43124.7860.40
1-4 Fam Mtg + MBS / Assets12.3814.3013.60
Commercial Real Estate Loans / Assets53.4950.2849.01
Construction Loans / Assets2.834.273.70
Commercial & Industrial Loans / Assets15.1914.4517.91
Consumer Loans / Assets0.100.140.23
Capitalization%%%
Equity / Assets10.5111.0210.50
Tangible Capital / Tangible Assets10.5111.0210.50
Risk-based Capital Ratio12.4813.6313.05
Liquidity%%%
Loans / Deposits108.72108.65101.05
Non-Interest Bearing Deposits / Deposits8.157.568.05
Purchased Liabilities19.4119.0612.29

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