FDIC Certificate #: 35223 Status: Active Federal Reserve ID: 2805535 Bank Holding Company (Regulatory Top Holder): American Heartland Bancshares, Inc. (RSSDID: 2805544, Location: Sugar Grove, IL) Date Established: Febuary 07, 2000 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 76778 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: Febuary 07, 2000 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 799 Heartland Drive, Sugar Grove, IL 60554 County: Kane Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Name Change
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $93.6 mil Equity capital: $11.1 mil Deposits held in domestic offices: $79.1 mil Return on assets (ROA): -6.89% (-$6.5 mil) Quarterly return on assets: -10.94% (-$10.3 mil) Return on Equity (ROE): -87.91% (-$9.7 mil) Quarterly return on equity: -127.99% (-$14.1 mil) Net income: -$6.0 mil Quarterly Net income: -$2.4 mil Pretax return on assets: -6.89% (-$6,448.4 mil) Quarterly Pretax return on assets: -10.94% (-$10,238.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
23Total employees (full-time equivalent)
$93,591Total assets
$13,993Cash and due from depository institutions
$13,484Interest-bearing balances
$5,139Securities
$0Federal funds sold & reverse repurchase agreements
$69,444Net loans & leases
$5,592Loan loss allowance
$0Trading account assets
$1,312Bank premises and fixed assets
$2,233Other real estate owned
$0Goodwill and other intangibles
$93,591Life insurance assets
$1,470All other assets
$82,461Total liabilities and capital
$79,102Total liabilities
$75,900Total deposits
$79,102Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$359Subordinated debt
$11,130All other liabilities
$11,130Total equity capital
$11,130Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$16,850Surplus
$-6,720Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,033Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8,905Income earned, not collected on loans
$0Earning assets
$297Long-term assets (5+ years)
$88,067Average Assets, year-to-date
$9,348Average Assets, quarterly
$87,716Volatile liabilities
$88,212Insider loans
$68,139FHLB advances
$90,179Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,233Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,456Restructured Loans and leases
$737Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,924Total interest income
$1,124Total interest expense
$2,800Net interest income
$5,276Provision for loan and lease losses
-$789Total noninterest income
$0Fiduciary activities
$19Service charges on deposit accounts
$0Trading account gains & fees
-$808Additional noninterest income
$2,841Total noninterest expense
$1,263Salaries and employee benefits
$291Premises and equipment expense
$1,287Additional noninterest expense
-$6,106Pre-tax net operating income
$62Securities gains (losses)
$0Applicable income taxes
-$6,044Income before extraordinary items
$0Extraordinary gains - net
-$6,044Net income attributable to bank
$0Net charge-offs
-$6,044Cash dividends
$2,480Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
1.38%Cost of funding earning assets
3.44%Net interest margin
-0.97%Noninterest income to earning assets
3.49%Noninterest expense to earning assets
-6.96%Net operating income to assets
-6.89%Return on assets (ROA)
-6.89%Pretax return on assets
-87.91%Return on equity (ROE)
-87.91%Retained earnings to average equity (YTD only)
3.40%Net charge-offs to loans
212.74%Credit loss provision to net charge-offs
-0.33%Efficiency ratio
141,273Assets per employee
4.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.45%Loss allowance to noncurrent loans
62.80%Noncurrent assets plus other real estate owned to assets
11.90%Noncurrent loans to loans
11.87%Net loans and leases to deposits
87.79%Net loans and leases to core deposits
88.53%Equity capital to assets
11.89%Core capital (leverage) ratio
11.35%Tier 1 risk-based capital ratio
15.02%Total risk-based capital ratio
Memoranda
$16Average assets
$87,716Average earning assets
$6,875Average equity
$81,376Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
76778
American Heartland Bank And Trust
799 Heartland Drive, Sugar Grove, IL 60554
Febuary 07, 2000
Full Service Brick and Mortar
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