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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, 2015
Federal Reserve System Identifier 3559714




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$77,035$77,244$72,352
Loans Receivable, Net62,06958,66451,346
Mortgage-Backed Securities000
Investments02,5430
Deposits67,65668,29863,605
Borrowings000
Equity8,6608,2107,958
Net Interest Income2,6342,5672,151
Fee Income449
Overhead1,8671,9491,828
Net Operating Income703432288
Net Income443259173
Ratio Analysis Profitability%%%
Return on Assets *0.590.340.24
Operating Return on Assets *0.940.570.41
Return on Equity *5.243.192.20
Net Interest Margin *3.983.963.66
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.492.592.59
Efficiency Ratio70.1176.4982.01
Asset Quality%%%
Nonperforming Assets / Assets0.001.513.14
Nonperforming Assets / Equity & Loss Reserves0.0213.3426.61
Loss Reserves / Nonperforming Loans23200.002000.00n/a
1-4 Fam Mtg + MBS / Assets9.597.666.82
Commercial Real Estate Loans / Assets23.8018.7117.20
Construction Loans / Assets12.009.512.15
Commercial & Industrial Loans / Assets3.961.770.57
Consumer Loans / Assets31.8238.9645.03
Capitalization%%%
Equity / Assets11.2410.6311.00
Tangible Capital / Tangible Assets11.2410.6311.00
Risk-based Capital Ratio13.8413.0413.32
Liquidity%%%
Loans / Deposits91.7485.8980.73
Non-Interest Bearing Deposits / Deposits8.8410.645.04
Purchased Liabilities20.3617.8117.34

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