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SAFE & SOUND® STAR RATINGS

AMERICAN EAGLE BANK OF CHICAGO

2255 NORTH WESTERN AVENUE
CHICAGO, Illinois 60647

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$77,244$72,352$69,653
Loans Receivable, Net58,66451,34649,589
Mortgage-Backed Securities000
Investments2,54300
Deposits68,29863,60561,115
Borrowings000
Equity8,2107,9587,785
Net Interest Income2,5672,1511,921
Fee Income497
Overhead1,9491,8281,794
Net Operating Income432288185
Net Income259173108
Ratio Analysis Profitability%%%
Return on Assets *0.340.240.15
Operating Return on Assets *0.570.410.26
Return on Equity *3.192.201.40
Net Interest Margin *3.963.663.17
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.592.592.54
Efficiency Ratio76.4982.0185.06
Asset Quality%%%
Nonperforming Assets / Assets1.513.143.35
Nonperforming Assets / Equity & Loss Reserves13.3426.6127.94
Loss Reserves / Nonperforming Loans2000.00n/a1628.57
1-4 Fam Mtg + MBS / Assets7.666.827.46
Commercial Real Estate Loans / Assets18.7117.2014.82
Construction Loans / Assets9.512.151.11
Commercial & Industrial Loans / Assets1.770.570.40
Consumer Loans / Assets38.9645.0348.16
Capitalization%%%
Equity / Assets10.6311.0011.18
Tangible Capital / Tangible Assets10.6311.0011.18
Risk-based Capital Ratio13.0413.3213.27
Liquidity%%%
Loans / Deposits85.8980.7381.14
Non-Interest Bearing Deposits / Deposits10.645.043.64
Purchased Liabilities17.8117.3417.86

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