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SAFE & SOUND® STAR RATINGS

AMERICAN HEARTLAND BANK AND TRUST

799 HEARTLAND DRIVE
SUGAR GROVE, Illinois 60554

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$142,478$136,406$127,058
Loans Receivable, Net116,837111,294104,465
Mortgage-Backed Securities000
Investments6,4687,6718,074
Deposits109,261102,430103,378
Borrowings17,50018,50010,000
Equity15,26715,02613,339
Net Interest Income1,2984,9924,266
Fee Income93734
Overhead7913,3403,943
Net Operating Income221704533
Net Income221704533
Ratio Analysis Profitability%%%
Return on Assets *0.600.550.49
Operating Return on Assets *0.600.550.49
Return on Equity *5.234.774.06
Net Interest Margin *3.994.003.96
Fee Income / Assets *0.030.030.03
Overhead / Assets *2.492.613.60
Efficiency Ratio69.5771.1484.69
Asset Quality%%%
Nonperforming Assets / Assets2.212.965.09
Nonperforming Assets / Equity & Loss Reserves17.7122.6339.03
Loss Reserves / Nonperforming Loans125.55124.7860.40
1-4 Fam Mtg + MBS / Assets12.8614.3013.60
Commercial Real Estate Loans / Assets52.3150.2849.01
Construction Loans / Assets3.694.273.70
Commercial & Industrial Loans / Assets14.7214.4517.91
Consumer Loans / Assets0.120.140.23
Capitalization%%%
Equity / Assets10.7211.0210.50
Tangible Capital / Tangible Assets10.7211.0210.50
Risk-based Capital Ratio13.1813.6313.05
Liquidity%%%
Loans / Deposits106.93108.65101.05
Non-Interest Bearing Deposits / Deposits8.877.568.05
Purchased Liabilities17.5419.0612.29

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