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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN HEARTLAND BANK AND TRUST
799 HEARTLAND DRIVE
SUGAR GROVE, Illinois 60554

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 2805535




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$108,315$93,591$90,775
Loans Receivable, Net85,57469,44473,284
Mortgage-Backed Securities000
Investments9,0835,13910,195
Deposits95,08879,10278,333
Borrowings2,0003,0004,000
Equity10,86411,1308,094
Net Interest Income3,6822,8002,923
Fee Income242018
Overhead5,0032,8412,285
Net Operating Income378-6,044-2,630
Net Income378-6,044-2,630
Ratio Analysis Profitability%%%
Return on Assets *0.39-6.87-2.73
Operating Return on Assets *0.39-6.87-2.73
Return on Equity *3.42-88.30-28.98
Net Interest Margin *3.903.463.32
Fee Income / Assets *0.020.020.02
Overhead / Assets *5.103.232.38
Efficiency Ratio83.83141.2795.01
Asset Quality%%%
Nonperforming Assets / Assets9.8111.9012.99
Nonperforming Assets / Equity & Loss Reserves69.0066.61115.39
Loss Reserves / Nonperforming Loans52.418.052.90
1-4 Fam Mtg + MBS / Assets26.2824.5021.90
Commercial Real Estate Loans / Assets40.6939.4739.47
Construction Loans / Assets4.335.2410.71
Commercial & Industrial Loans / Assets11.5810.658.48
Consumer Loans / Assets0.230.180.06
Capitalization%%%
Equity / Assets10.0311.898.92
Tangible Capital / Tangible Assets10.0311.898.92
Risk-based Capital Ratio13.0516.3511.17
Liquidity%%%
Loans / Deposits89.9987.7993.55
Non-Interest Bearing Deposits / Deposits6.814.053.06
Purchased Liabilities4.0130.8434.75

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