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Harris Bank Naperville

Naperville, IL · Cert 17728

FDIC

Q1 2005

$803.9MAssets
$676.9MLoans
$726.6MDeposits
$63.4MEquity
Loan mix
91%RE $319.1M7%C&I $24.0M2%Consumer $8.0MQ1 2004Q1 2005
Deposit mix
85%Interest-bearing $619.7M15%Noninterest $106.8MQ1 2004Q1 2005

NIM

4.75%Q1 ’034.14%Q1 ’044.55%Q1 ’05-9%+2%

Non-interest income vs. expense

2.26%Q1 ’032.12%Q1 ’041.92%Q1 ’05+2%-15%

Executive Summary

  • Earnings: ROA of 1.05%, up 27 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 93.16% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

1.05%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+7 bps YoY

Efficiency Ratio (quarter, annualized)

52.07%-725 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.78%0.94%1.05%1.05%1.05%+27 bps
Return on Equity10.56%12.45%13.73%13.60%13.40%+284 bps
Net Interest Margin3.10%2.96%3.11%3.18%3.17%+7 bps
Efficiency Ratio59.32%54.93%52.71%51.87%52.07%-725 bps
Non-Interest Burden1.64%1.39%1.35%1.40%1.40%-24 bps
Growth
Asset Growth (YoY)9.05%4.11%4.87%-0.93%-2.98%-1,203 bps
Loan Growth (YoY)17.38%18.08%18.69%7.46%5.27%-1,210 bps
Deposit Growth (YoY)10.56%8.84%6.93%-2.15%-3.64%-1,420 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.02%0.04%0.09%0.03%-22 bps
Allowance / Loans1.04%1.04%1.06%1.07%1.11%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.45%11.44%11.70%11.64%11.60%+14 bps
Equity / Assets7.47%7.63%7.72%7.77%7.88%+41 bps
Liquidity & Funding
Loans / Deposits85.28%89.54%89.98%93.88%93.16%+789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a