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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Eagle Bank had $1.89 million in non-current loans and owned real-estate with $15.01 million in equity and loan loss allowances on hand to cover it. This gives American Eagle Bank a Texas Ratio of 12.61% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for American Eagle Bank decreased slightly from 14.71% as of March 31, 2013 to 12.61% as of March 31, 2014, resulting in a positive change of 14.22%.This indicates that the balance sheet and financial strength for American Eagle Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, American Eagle Bank has increased its total deposits by $1.93 million, resulting in 1.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Eagle Bank has shown is above average.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Eagle Bank has $170.04 million in assets with $15.01 million in equity, resulting in a capitalization level of 8.83%, which is average.

Institution Statistics

Overall
FDIC Certificate #57359
Year Established2002
Employees23
Primary RegulatorFDIC
Assets and Liabilities
Assets$170.04 million
Loans$140.66 million
Deposits$146.44 million
Equity Capital$13.91 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$654,000
Real Estate Owned$1.24 million
Historic Data - March 2013
Assets$168.14 million
Equity Capital$13.66 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$654,000
Real Estate Owned$1.49 million
Profit Margin - Quarterly
Net Interest Margin4.64%
Return on Assets1.15%
Return on Equity14.13%
Interest Income$2.28 million
Rates

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American Eagle Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%-$10kEagleSavers
0.10%$200-Statement Savings

American Eagle Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$100k-Platinum Money Market

American Eagle Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Golden Eagle Club Checking
0.10%$500-Platinum NOW Checking
0.10%--Golden Eagle NOW Checking
0.10%--Corporate Eagle NOW Checking

American Eagle Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month CD
1.25%$1k-48 Month CD
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.50%$1k-12 Month CD
0.25%$1k-6 Month CD

American Eagle Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month IRA
1.50%$500-60 Month Education IRA
1.25%$1k-48 Month IRA
1.25%$500-48 Month Education IRA
1.00%$500-36 Month Education IRA
0.75%$1k-24 Month IRA
0.75%$500-24 Month Education IRA
0.50%$1k-12 Month IRA
0.50%$500-12 Month Education IRA
0.25%$1k-6 Month IRA
0.25%$500-6 Month Education IRA
Locations


American Eagle Bank Locations
American Eagle Bank556 Randall RoadSouth Elgin, IL 60177