American Heartland Bank and Trust in Sugar Grove, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Heartland Bank and Trust in Sugar Grove, Illinois (IL)
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American Heartland Bank and Trust - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    076778American Heartland Bank And Trust799 Heartland Drive, Sugar Grove, IL 60554Febuary 07, 2000Full Service Brick and Mortar

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