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SAFE & SOUND® STAR RATINGS

AMERICAN EAGLE BANK OF CHICAGO

2255 NORTH WESTERN AVENUE
CHICAGO, Illinois 60647

STAR RATING: 2 starstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$75,900$72,352$69,653
Loans Receivable, Net57,27651,34649,589
Mortgage-Backed Securities000
Investments000
Deposits66,93063,60561,115
Borrowings000
Equity8,1617,9587,785
Net Interest Income1,9072,1511,921
Fee Income497
Overhead1,4441,8281,794
Net Operating Income337288185
Net Income203173108
Ratio Analysis Profitability%%%
Return on Assets *0.360.240.15
Operating Return on Assets *0.590.410.26
Return on Equity *3.272.201.40
Net Interest Margin *4.043.663.17
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.582.592.54
Efficiency Ratio78.3182.0185.06
Asset Quality%%%
Nonperforming Assets / Assets2.873.143.35
Nonperforming Assets / Equity & Loss Reserves25.0926.6127.94
Loss Reserves / Nonperforming Loans25450.00n/a1628.57
1-4 Fam Mtg + MBS / Assets6.136.827.46
Commercial Real Estate Loans / Assets19.4517.2014.82
Construction Loans / Assets7.122.151.11
Commercial & Industrial Loans / Assets2.110.570.40
Consumer Loans / Assets41.3245.0348.16
Capitalization%%%
Equity / Assets10.7511.0011.18
Tangible Capital / Tangible Assets10.7511.0011.18
Risk-based Capital Ratio12.7713.3213.27
Liquidity%%%
Loans / Deposits85.5880.7381.14
Non-Interest Bearing Deposits / Deposits6.515.043.64
Purchased Liabilities19.5817.3417.86

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