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SAFE & SOUND® STAR RATINGS

AMERICAN HEARTLAND BANK AND TRUST

670 NORTH SUGAR GROVE PARKWAY
SUGAR GROVE, Illinois 60554

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$165,168$156,057$136,406
Loans Receivable, Net136,197129,933111,294
Mortgage-Backed Securities000
Investments6,6066,5147,671
Deposits129,578119,984102,430
Borrowings17,00019,00018,500
Equity17,53816,15215,026
Net Interest Income1,4575,3244,992
Fee Income83337
Overhead1,1253,4973,340
Net Operating Income3851,148704
Net Income3801,148704
Ratio Analysis Profitability%%%
Return on Assets *0.870.790.55
Operating Return on Assets *0.870.790.55
Return on Equity *8.047.324.77
Net Interest Margin *3.793.814.00
Fee Income / Assets *0.020.020.03
Overhead / Assets *2.552.412.61
Efficiency Ratio112.5070.7271.14
Asset Quality%%%
Nonperforming Assets / Assets1.130.872.96
Nonperforming Assets / Equity & Loss Reserves9.537.2422.63
Loss Reserves / Nonperforming Loans154.28310.08124.78
1-4 Fam Mtg + MBS / Assets11.8911.6514.30
Commercial Real Estate Loans / Assets52.9354.2550.28
Construction Loans / Assets2.052.424.27
Commercial & Industrial Loans / Assets16.7316.4714.45
Consumer Loans / Assets0.080.090.14
Capitalization%%%
Equity / Assets10.6210.3511.02
Tangible Capital / Tangible Assets10.6210.3511.02
Risk-based Capital Ratio12.8512.2313.63
Liquidity%%%
Loans / Deposits105.11108.29108.65
Non-Interest Bearing Deposits / Deposits5.508.477.56
Purchased Liabilities17.5919.1219.06

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