American Heartland Bank and Trust

American Heartland Bank and Trust is headquartered in Sugar Grove and is the 351^st largest bank in the state of Illinois. It is also the 5,116^st largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 23 employees at 1 location. American Heartland Bank and Trust has a 4-star health rating.

Data for Q4 2011

Institution Statistics American Heartland Bank and Trust FDIC Certificate # 35223 BankRate Report View Year Established 2000 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $93.59 million Loans $69.44 million Deposits $79.10 million Equity Capital $11.13 million Loan Loss Allowance $5.59 million Unbacked Noncurrent Loans $8.91 million Real Estate Owned $2.23 million Historic Data - December 2010 Assets $90.11 million Equity Capital $7.42 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $9.14 million Real Estate Owned $2.66 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -6.89% Return on Equity -87.91% Interest Income $3.92 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, 2011 American Heartland Bank and Trust had $11.14 million in non-current loans and owned real-estate with $16.72 million in equity and loan loss allowances on hand to cover it. This gives American Heartland Bank and Trust a Texas Ratio of 66.61% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Heartland Bank and Trust decreased significantly from 115.39% as of December 31, 2010 to 66.61% as of December 31, 2011, resulting in a positive change of 42.28%.This indicates that the balance sheet and financial strength for American Heartland Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, American Heartland Bank and Trust has increased its total deposits by $769,000, resulting in 0.98% 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 Heartland Bank and Trust has shown is average. 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 Heartland Bank and Trust has $93.59 million in assets with $16.72 million in equity, resulting in a capitalization level of 17.87%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.