SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN EAGLE BANK OF CHICAGO
2255 NORTH WESTERN AVENUE
CHICAGO, Illinois 60647

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$72,352$69,653$67,975
Loans Receivable, Net51,34649,58950,878
Mortgage-Backed Securities000
Investments000
Deposits63,60561,11559,513
Borrowings000
Equity7,9587,7857,677
Net Interest Income2,1511,9211,794
Fee Income9712
Overhead1,8281,7941,684
Net Operating Income288185-197
Net Income173108-112
Ratio Analysis Profitability%%%
Return on Assets *0.240.15-0.16
Operating Return on Assets *0.410.26-0.28
Return on Equity *2.201.40-1.48
Net Interest Margin *3.663.173.03
Fee Income / Assets *0.010.010.02
Overhead / Assets *2.592.542.41
Efficiency Ratio82.0185.0692.78
Asset Quality%%%
Nonperforming Assets / Assets3.143.353.95
Nonperforming Assets / Equity & Loss Reserves26.6127.9431.77
Loss Reserves / Nonperforming Loansn/a1628.571.50
1-4 Fam Mtg + MBS / Assets6.827.467.74
Commercial Real Estate Loans / Assets17.2014.8217.21
Construction Loans / Assets2.151.110.24
Commercial & Industrial Loans / Assets0.570.402.38
Consumer Loans / Assets45.0348.1648.39
Capitalization%%%
Equity / Assets11.0011.1811.29
Tangible Capital / Tangible Assets11.0011.1811.29
Risk-based Capital Ratio13.3213.2713.38
Liquidity%%%
Loans / Deposits80.7381.1485.49
Non-Interest Bearing Deposits / Deposits5.043.642.04
Purchased Liabilities17.3417.8649.24

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