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SAFE & SOUND® STAR RATINGS

AMERICAN EAGLE BANK OF CHICAGO

2255 NORTH WESTERN AVENUE
CHICAGO, Illinois 60647

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$74,226$77,244$72,352
Loans Receivable, Net55,97358,66451,346
Mortgage-Backed Securities000
Investments2,0002,5430
Deposits65,34968,29863,605
Borrowings000
Equity8,2598,2107,958
Net Interest Income5852,5672,151
Fee Income149
Overhead4691,9491,828
Net Operating Income67432288
Net Income42259173
Ratio Analysis Profitability%%%
Return on Assets *0.320.340.24
Operating Return on Assets *0.530.570.41
Return on Equity *2.993.192.20
Net Interest Margin *3.943.963.66
Fee Income / Assets *0.000.010.01
Overhead / Assets *2.532.592.59
Efficiency Ratio81.0076.4982.01
Asset Quality%%%
Nonperforming Assets / Assets2.541.513.14
Nonperforming Assets / Equity & Loss Reserves21.4413.3426.61
Loss Reserves / Nonperforming Loans27.722000.00n/a
1-4 Fam Mtg + MBS / Assets7.507.666.82
Commercial Real Estate Loans / Assets20.5618.7117.20
Construction Loans / Assets9.579.512.15
Commercial & Industrial Loans / Assets2.491.770.57
Consumer Loans / Assets35.9838.9645.03
Capitalization%%%
Equity / Assets11.1310.6311.00
Tangible Capital / Tangible Assets11.1310.6311.00
Risk-based Capital Ratio13.4813.0413.32
Liquidity%%%
Loans / Deposits85.6585.8980.73
Non-Interest Bearing Deposits / Deposits7.5710.645.04
Purchased Liabilities18.6617.8117.34

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