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 March 31, 2014
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$126,770$127,058$108,315
Loans Receivable, Net103,280104,46585,574
Mortgage-Backed Securities000
Investments10,1438,0749,083
Deposits99,017103,37895,088
Borrowings13,00010,0002,000
Equity14,48213,33910,864
Net Interest Income1,1874,2663,682
Fee Income103424
Overhead8623,9435,003
Net Operating Income144533378
Net Income144533378
Ratio Analysis Profitability%%%
Return on Assets *0.500.490.39
Operating Return on Assets *0.500.490.39
Return on Equity *4.254.063.42
Net Interest Margin *3.973.963.90
Fee Income / Assets *0.030.030.02
Overhead / Assets *3.193.605.10
Efficiency Ratio69.9784.6983.83
Asset Quality%%%
Nonperforming Assets / Assets3.385.099.81
Nonperforming Assets / Equity & Loss Reserves24.6539.0369.00
Loss Reserves / Nonperforming Loans74.0960.4052.41
1-4 Fam Mtg + MBS / Assets14.3513.6026.28
Commercial Real Estate Loans / Assets46.9149.0140.69
Construction Loans / Assets3.703.704.33
Commercial & Industrial Loans / Assets18.3417.9111.58
Consumer Loans / Assets0.150.230.23
Capitalization%%%
Equity / Assets11.4210.5010.03
Tangible Capital / Tangible Assets11.4210.5010.03
Risk-based Capital Ratio14.2113.0513.05
Liquidity%%%
Loans / Deposits104.31101.0589.99
Non-Interest Bearing Deposits / Deposits7.278.056.81
Purchased Liabilities14.6812.294.01

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