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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 March 31, 2016
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$79,480$77,035$77,244
Loans Receivable, Net61,68362,06958,664
Mortgage-Backed Securities000
Investments002,543
Deposits70,02867,65668,298
Borrowings000
Equity8,7588,6608,210
Net Interest Income6372,6342,567
Fee Income144
Overhead4941,8671,949
Net Operating Income157703432
Net Income98443259
Ratio Analysis Profitability%%%
Return on Assets *0.660.590.34
Operating Return on Assets *1.050.940.57
Return on Equity *5.825.243.19
Net Interest Margin *3.993.983.96
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.502.492.59
Efficiency Ratio75.8870.1176.49
Asset Quality%%%
Nonperforming Assets / Assets0.020.001.51
Nonperforming Assets / Equity & Loss Reserves0.140.0213.34
Loss Reserves / Nonperforming Loans3307.6923200.002000.00
1-4 Fam Mtg + MBS / Assets9.659.597.66
Commercial Real Estate Loans / Assets23.9823.8018.71
Construction Loans / Assets9.6512.009.51
Commercial & Industrial Loans / Assets3.943.961.77
Consumer Loans / Assets30.9131.8238.96
Capitalization%%%
Equity / Assets11.0211.2410.63
Tangible Capital / Tangible Assets11.0211.2410.63
Risk-based Capital Ratio14.1513.8413.04
Liquidity%%%
Loans / Deposits88.0891.7485.89
Non-Interest Bearing Deposits / Deposits8.958.8410.64
Purchased Liabilities20.8920.3617.81

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