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 December 31, 2013
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$127,058$108,315$93,591
Loans Receivable, Net104,46585,57469,444
Mortgage-Backed Securities000
Investments8,0749,0835,139
Deposits103,37895,08879,102
Borrowings10,0002,0003,000
Equity13,33910,86411,130
Net Interest Income4,2663,6822,800
Fee Income342420
Overhead3,9435,0032,841
Net Operating Income533378-6,044
Net Income533378-6,044
Ratio Analysis Profitability%%%
Return on Assets *0.490.39-6.87
Operating Return on Assets *0.490.39-6.87
Return on Equity *4.063.42-88.30
Net Interest Margin *3.963.903.46
Fee Income / Assets *0.030.020.02
Overhead / Assets *3.605.103.23
Efficiency Ratio84.6983.83141.27
Asset Quality%%%
Nonperforming Assets / Assets5.099.8111.90
Nonperforming Assets / Equity & Loss Reserves39.0369.0066.61
Loss Reserves / Nonperforming Loans60.4052.418.05
1-4 Fam Mtg + MBS / Assets13.6026.2824.50
Commercial Real Estate Loans / Assets49.0140.6939.47
Construction Loans / Assets3.704.335.24
Commercial & Industrial Loans / Assets17.9111.5810.65
Consumer Loans / Assets0.230.230.18
Capitalization%%%
Equity / Assets10.5010.0311.89
Tangible Capital / Tangible Assets10.5010.0311.89
Risk-based Capital Ratio13.0513.0516.35
Liquidity%%%
Loans / Deposits101.0589.9987.79
Non-Interest Bearing Deposits / Deposits8.056.814.05
Purchased Liabilities12.294.0130.84

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

Connect with us