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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 December 31, 2015
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$156,057$136,406$127,058
Loans Receivable, Net129,933111,294104,465
Mortgage-Backed Securities000
Investments6,5147,6718,074
Deposits119,984102,430103,378
Borrowings19,00018,50010,000
Equity16,15215,02613,339
Net Interest Income5,3244,9924,266
Fee Income333734
Overhead3,4973,3403,943
Net Operating Income1,148704533
Net Income1,148704533
Ratio Analysis Profitability%%%
Return on Assets *0.790.550.49
Operating Return on Assets *0.790.550.49
Return on Equity *7.324.774.06
Net Interest Margin *3.814.003.96
Fee Income / Assets *0.020.030.03
Overhead / Assets *2.412.613.60
Efficiency Ratio70.7271.1484.69
Asset Quality%%%
Nonperforming Assets / Assets0.872.965.09
Nonperforming Assets / Equity & Loss Reserves7.2422.6339.03
Loss Reserves / Nonperforming Loans310.08124.7860.40
1-4 Fam Mtg + MBS / Assets11.6514.3013.60
Commercial Real Estate Loans / Assets54.2550.2849.01
Construction Loans / Assets2.424.273.70
Commercial & Industrial Loans / Assets16.4714.4517.91
Consumer Loans / Assets0.090.140.23
Capitalization%%%
Equity / Assets10.3511.0210.50
Tangible Capital / Tangible Assets10.3511.0210.50
Risk-based Capital Ratio12.2313.6313.05
Liquidity%%%
Loans / Deposits108.29108.65101.05
Non-Interest Bearing Deposits / Deposits8.477.568.05
Purchased Liabilities19.1219.0612.29

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