American Eagle Bank

556 Randall Road
South Elgin, IL 60177
773-328-2350
www.americaneaglebank.com

FDIC

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American Eagle Bank is headquartered in South Elgin and is the 242^nd largest bank in the state of Illinois. It is also the 3,495^th largest bank in the nation. It was established in 2002 and as of December of 2012, it had grown to 24 employees at 1 location. American Eagle Bank has a 4-star health rating.

American Eagle Bank Routing Number: 071926281

Competitive 5-Year CD Rate at American Eagle Bank of Chicago - Local Only - 1/10/2012

American Eagle Bank of Chicago is offering some competitive long-term CD rates. Another perk with these CDs is a mild early withdrawal penalty. Jumbo CDs have the most competitive rates. These include ...

29-Month CD Special Continues at American Eagle Bank of Chicago - Local Only (Forum) - 4/20/2010

American Eagle Bank of Chicago continues to offer a 2.50% APY 29-month CD (as of 4/20/10). I first reported on this CD in February. Please refer to my February post for more details.

Competitive 29-Month CD Rate at American Eagle Bank of Chicago - Local Only - 2/2/2010

American Eagle Bank of Chicago continues to offer a competitive 29-month CD special with a 2.50% APY. It had been 2.75% last year . Minimum deposit is $1,000. The bank also has a promotion for its Pl ...

2.75% 29-Month CD at American Eagle Bank of Chicago - Local Only - 9/23/2009

American Eagle Bank of Chicago is offering a competitive 29-month CD special with a 2.75% APY. Minimum deposit is $1,000. The bank also has a promotion for its Platinum NOW Checking account with a 2.00% APY guaranteed for 3 months. Direct deposit is...

2009

5/21 - 3.00% 24-Month CD at American Eagle Bank in Illinois - Local Only

2008

2/17 - 4.50% 7-Month CD at a Chicago Bank - plus 4.60% 3-Month Checking Special (American Eagle).

2007

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See Rates for: Checking | Savings | Money Market | CD | IRA

American Eagle Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$500	-	Platinum NOW Checking
0.10%	-	-	Golden Eagle NOW Checking

American Eagle Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$10k	EagleSavers
0.10%	$200	-	Statement Savings

American Eagle Bank Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Platinum Money Market

American Eagle Bank CD Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month CD w/ Relationship Bonus
1.50%	$1k	-	60 Month CD
1.50%	$1k	-	48 Month CD w/ Relationship Bonus
1.25%	$1k	-	48 Month CD
1.25%	$1k	-	36 Month CD w/ Relationship Bonus
1.25%	$1k	-	36 Month Step CD Special w/ Relationship Bonus
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	24 Month CD w/ Relationship Bonus
1.00%	$1k	-	36 Month Step CD Special
0.75%	$1k	-	24 Month CD
0.75%	$1k	-	12 Month CD w/ Relationship Bonus
0.50%	$1k	-	12 Month CD
0.50%	$1k	-	6 Month CD w/ Relationship Bonus
0.25%	$1k	-	6 Month CD

American Eagle Bank IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month Education IRA w/ Relationship Bonus
1.75%	$1k	-	60 Month IRA w/ Relationship Bonus
1.75%	$1k	-	60 Month Roth IRA w/ Relationship Bonus
1.50%	$1k	-	60 Month IRA
1.50%	$1k	-	60 Month Roth IRA
1.50%	$500	-	60 Month Education IRA
1.50%	$500	-	48 Month Education IRA w/ Relationship Bonus
1.50%	$1k	-	48 Month IRA w/ Relationship Bonus
1.50%	$1k	-	48 Month Roth IRA w/ Relationship Bonus
1.25%	$1k	-	48 Month IRA
1.25%	$1k	-	48 Month Roth IRA
1.25%	$500	-	48 Month Education IRA
1.25%	$500	-	36 Month Education IRA w/ Relationship Bonus
1.25%	$1k	-	36 Month IRA w/ Relationship Bonus
1.25%	$1k	-	36 Month Roth IRA w/ Relationship Bonus
1.25%	$1k	-	36 Month Step IRA Special w/ Relationship Bonus
1.25%	$1k	-	36 Month Step Roth IRA Special w/ Relationship Bonus
1.25%	$500	-	36 Month Step Education IRA Special w/ Relationship Bonus
1.00%	$1k	-	36 Month IRA
1.00%	$1k	-	36 Month Roth IRA
1.00%	$500	-	36 Month Education IRA
1.00%	$500	-	24 Month Education IRA w/ Relationship Bonus
1.00%	$1k	-	24 Month IRA w/ Relationship Bonus
1.00%	$1k	-	24 Month Roth IRA w/ Relationship Bonus
1.00%	$1k	-	36 Month Step IRA Special
1.00%	$1k	-	36 Month Step Roth IRA Special
1.00%	$500	-	36 Month Step Education IRA Special
0.75%	$1k	-	24 Month IRA
0.75%	$1k	-	24 Month Roth IRA
0.75%	$500	-	24 Month Education IRA
0.75%	$500	-	12 Month Education IRA w/ Relationship Bonus
0.75%	$1k	-	12 Month IRA w/ Relationship Bonus
0.75%	$1k	-	12 Month Roth IRA w/ Relationship Bonus
0.50%	$1k	-	12 Month IRA
0.50%	$1k	-	12 Month Roth IRA
0.50%	$500	-	12 Month Education IRA
0.50%	$500	-	6 Month Education IRA w/ Relationship Bonus
0.50%	$1k	-	6 Month IRA w/ Relationship Bonus
0.50%	$1k	-	6 Month Roth IRA w/ Relationship Bonus
0.25%	$1k	-	6 Month IRA
0.25%	$1k	-	6 Month Roth IRA
0.25%	$500	-	6 Month Education IRA

Rates updated: 5/22/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

American Eagle Bank
FDIC Certificate #	57359
BankRate Report	View
Year Established	2002
Employees	24
Primary Regulator	FDIC
Assets and Liabilities
Assets	$170.56 million
Loans	$126.41 million
Deposits	$146.40 million
Equity Capital	$13.49 million
Loan Loss Allowance	$1.19 million
Unbacked Noncurrent Loans	$1.73 million
Real Estate Owned	$1.27 million
Historic Data - December 2011
Assets	$158.22 million
Equity Capital	$13.47 million
Loan Loss Allowance	$1.41 million
Unbacked Noncurrent Loans	$2.00 million
Real Estate Owned	$821,000
Profit Margin - Quarterly
Net Interest Margin	4.22%
Return on Assets	0.86%
Return on Equity	10.7%
Interest Income	$8.90 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 American Eagle Bank had $3 million in non-current loans and owned real-estate with $14.67 million in equity and loan loss allowances on hand to cover it. This gives American Eagle Bank a Texas Ratio of 20.41% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for American Eagle Bank held steady from 18.98% as of December 31, 2011 to 20.41% as of December 31, 2012, resulting in a negative change of 7.52%. This indicates that the balance sheet and financial strength for American Eagle Bank has held steady in recent periods.
Deposit Growth
In the past year, American Eagle Bank has increased its total deposits by $14.6 million, resulting in 11.08% 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 excellent.
Capitalization
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 $170.56 million in assets with $14.67 million in equity, resulting in a capitalization level of 8.60%, which is average.