SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN HEARTLAND BANK AND TRUST
799 HEARTLAND DRIVE
SUGAR GROVE, Illinois 60554

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$127,633$127,058$108,315
Loans Receivable, Net104,593104,46585,574
Mortgage-Backed Securities000
Investments7,9698,0749,083
Deposits99,675103,37895,088
Borrowings13,00010,0002,000
Equity14,64513,33910,864
Net Interest Income2,4124,2663,682
Fee Income193424
Overhead1,6003,9435,003
Net Operating Income305533378
Net Income305533378
Ratio Analysis Profitability%%%
Return on Assets *0.520.490.39
Operating Return on Assets *0.520.490.39
Return on Equity *4.484.063.42
Net Interest Margin *3.933.963.90
Fee Income / Assets *0.030.030.02
Overhead / Assets *2.963.605.10
Efficiency Ratio66.5084.6983.83
Asset Quality%%%
Nonperforming Assets / Assets3.235.099.81
Nonperforming Assets / Equity & Loss Reserves23.4939.0369.00
Loss Reserves / Nonperforming Loans75.4760.4052.41
1-4 Fam Mtg + MBS / Assets16.2013.6026.28
Commercial Real Estate Loans / Assets46.7349.0140.69
Construction Loans / Assets3.523.704.33
Commercial & Industrial Loans / Assets17.3917.9111.58
Consumer Loans / Assets0.130.230.23
Capitalization%%%
Equity / Assets11.4710.5010.03
Tangible Capital / Tangible Assets11.4710.5010.03
Risk-based Capital Ratio14.5613.0513.05
Liquidity%%%
Loans / Deposits104.93101.0589.99
Non-Interest Bearing Deposits / Deposits6.848.056.81
Purchased Liabilities15.5712.294.01

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