# AMERICAN ENTERPRISE BANK
BUFFALO GROVE, IL · FDIC certificate 34090 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $197.6M | |
| Deposits | $162.4M | |
| Loans and leases | $141.3M | |
| Total equity | $22.5M | |
| Loans / deposits | 85.56% (p64 of band) | 78.40% |
| Liquid assets / assets | 22.21% (p33 of band) | |
| Uninsured deposits / deposits | 37.71% (p95 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.82% (p68 of band) | |
| FHLB advances / assets | 5.82% | |
| Tier 1 leverage | 11.44% (p51 of band) | 11.34% |
| Unrealized securities loss / equity | -0.18% (p86 of band) | -3.15% |
| AOCI / equity | -0.43% (p72 of band) | |
| ROA (annualized) | 0.26% (p9 of band) | 1.02% |
| Net interest margin | 4.08% (p66 of band) | 3.82% |
| Efficiency ratio | 117.96% (p98 of band) | |
| Noncurrent loans | 3.61% (p94 of band) | 0.57% |
| Net charge-offs (annualized) | -0.36% (p1 of band) | |
| Reserve coverage of noncurrent | 46.76% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $4.0M (18% of equity) (p99 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | NIM <2.5% |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | leverage <7%, capital falling |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, expense ratio p90, leverage <7%, capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | charge-offs p90 |  |
| 2013-03 | 7 | losing money, expense ratio p90 |  |
| 2013-06 | 7 |  |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 4 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | charge-offs p90 |  |
| 2015-03 | 6 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2015-06 | 7 | uninsured deposits leaving |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 6 |  | assets shrinking |
| 2016-03 | 6 |  |  |
| 2016-06 | 6 | capital falling | uninsured deposits leaving |
| 2016-09 | 4 |  | deposits shrinking, capital falling |
| 2016-12 | 5 | assets shrinking |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 | deposits shrinking | assets shrinking |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | capital falling |  |
| 2018-03 | 5 |  | capital falling |
| 2018-06 | 4 |  | deposits shrinking |
| 2018-09 | 4 | assets shrinking | losing money |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-17 [Buffalo Grove students win CBAI Foundation scholarship awards - Daily Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPS1g4ZWhxSncta285ZHdRbVRIMXFjZUdLY1J2b010UE9xd3dhSElPekhNcUR2VzhBTGxUMlAxZlJSblI0cFhXUXk2TmIxbnVwbk9rS2xCVTJSMnl5ZWtaMk8zcVpRRnBfZHRUeW1rZkdsLUJpWUQxZE4wNnhvQWhQMUxZaVlEbzZkemFlQmZYNTN6ODBlVnVianhuV2pmRWgwbHJiRUtYeGtrQjE2b3daNnhNY0VfREot?oc=5) · Daily Herald
- 2019-04-06 [Suburban pair sentenced, ordered to pay millions after bank fraud scheme - Chicago Sun-Times](https://news.google.com/rss/articles/CBMiugFBVV95cUxPTjV4bW12T19lbTdvajRjZ21hN3BOZklyY2tVOXQ1VTNtenZYMVlrLVo0MjJsaW9ZR1RsVHFZNlU4TllFdnZNY09ESUs3d0F1UjM4U3FfUDV6cTNLMWpQUE1fSmtOcGMwbjR6VUUzaldfUWpuYjA2NkgxS3ItcGg5M29ObUlMZ3lJZkg3akRWcDhBWC1MUDlxNHZVUV9LRGdpYkE4Qk95YXF1VGp2VEVuYzN0MFBzQU1kUGc?oc=5) · Chicago Sun-Times
- 2019-04-08 [Palatine Bank Fraud Schemer Among Several Sentenced - Patch](https://news.google.com/rss/articles/CBMikAFBVV95cUxNRHBhRFBfTzBjekx1VWhIZ05HaExjZ0JyYnU5N3RMcGFibm51RjlGd3R0cmtZUzRTZkpHSncybHV3WkVvdFd0MEd3WXJmUkxKWjVNY0NhSmtYZjNOQjJDNkdfdU5iUnAydVVha0J3NUN0M2RsZHJVdmtnY04wYXB2YmljWllZUEV2Q3RCaDlKeDM?oc=5) · Patch
- 2015-08-25 [Contract dispute hits Rayonier AM - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNFE3Wm1QT1lKYnNyV3dkZ3g1MHI5bnBvZDNoWEcySzNEaE0yelVnNjhSYUpSeXlFRV82RS1tTENrNHZ5bHJmSEZTMkhCd3VjU1A3MnIzSjF0SmZwN1ludFJaUGJxVzI4QWFQMjFPd1lZT2dONWxDTm9adWdEOTBzRnJ6QzFKMTBtT3c?oc=5) · Jacksonville Daily Record
- 2016-02-19 [New apple bakery could be on its way to Long Grove - Chicago Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSnRCRmRQSHF6aTVfTDZqYmo3SHFhbHBscFptWFMwcHp4STZkclZ2OFVta3lQUS0yb2xGRkRXYnpXVUhvbFdxMUFVdTRyWUxUbWp1bXAwYVNiMTZwNVZyQ3lyeUhaTG1IS2dmYXVOTjFfOW4wUDRTT0JMeVBXNGpCTElubnc4XzNRUXE3Ti1hWU9zWnUtWk1HTQ?oc=5) · Chicago Tribune
- 2025-03-20 [Antioch Pizza Shop Opening Eighth Location in Libertyville - WhatNow](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZ01hWC1fSlNsZ1o5UzBZdUhVd1JJQk1HanlXUkVObDE1ZF95V3BmS0NIQThvdFV1aWVlanpOaGFlaHQ3YzJjWTR1ZDNQR081VDN6bllSM2t0aDh3VXNhU3AxeVhiVmk1ZFlqc0dzWER1cV9uYmZxT0dmSnlKSnFFczJLSDJpdXIxUmZIREJCSjVYcHFfdUU2UGZZUWZOSnRu?oc=5) · WhatNow
- 2013-10-31 [Five Indicted in $10 Million Bank Fraud Scheme - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMk1vQzVVWjJHYXpUNFdBYk5yeFl4aDY4QWJmanBiTHZhTjBiS3JRMDFmNmkxcTlnaTNXb1dsWG95NElxVW1hQ21tX0hRZjQ2cEtsS0VzYUlPSU9QQThFS19yZTVlQl9ubGxsOVdnb1dpaC1oQWxOMGZhNWJXTHRFSjQ1OVVEV3otS0pheQ?oc=5) · Patch
- 2016-01-12 [New board Buffalo Grove/Lincolnshire chamber installed - Daily Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxOa2E0eDNjUnJNSG1hRG1icGY1SkZSLThreHNmZWpiUFlnQ3dyWDM0Uk0xN2U2WDREbEIyT1FkQ09lOHdZZ0plYWhfcTlISWViXzdZTE5nVTh1b0hNNnd6YUtMV1JLNm9JMC1YNkNEa013TktOR3ZmdlhhZ0xSa3hHWVdFUEYza3VyWHdGaHRnWm1pX2ROOEFzZkdpZHNyRFJSTkNv?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34090 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "34090", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide