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 September 30, 2014
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$131,390$127,058$108,315
Loans Receivable, Net108,904104,46585,574
Mortgage-Backed Securities000
Investments7,7438,0749,083
Deposits99,191103,37895,088
Borrowings17,00010,0002,000
Equity14,82513,33910,864
Net Interest Income3,6784,2663,682
Fee Income283424
Overhead2,4153,9435,003
Net Operating Income499533378
Net Income499533378
Ratio Analysis Profitability%%%
Return on Assets *0.600.490.39
Operating Return on Assets *0.600.490.39
Return on Equity *5.114.063.42
Net Interest Margin *4.153.963.90
Fee Income / Assets *0.030.030.02
Overhead / Assets *2.873.605.10
Efficiency Ratio68.7184.6983.83
Asset Quality%%%
Nonperforming Assets / Assets3.275.099.81
Nonperforming Assets / Equity & Loss Reserves24.3839.0369.00
Loss Reserves / Nonperforming Loans113.9660.4052.41
1-4 Fam Mtg + MBS / Assets15.5713.6026.28
Commercial Real Estate Loans / Assets48.7449.0140.69
Construction Loans / Assets3.413.704.33
Commercial & Industrial Loans / Assets16.9417.9111.58
Consumer Loans / Assets0.130.230.23
Capitalization%%%
Equity / Assets11.2810.5010.03
Tangible Capital / Tangible Assets11.2810.5010.03
Risk-based Capital Ratio13.8813.0513.05
Liquidity%%%
Loans / Deposits109.79101.0589.99
Non-Interest Bearing Deposits / Deposits5.968.056.81
Purchased Liabilities17.4412.294.01

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