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Harris Bank Huntley

Huntley, IL · Cert 1783

FDIC

Q1 2005

$173.4MAssets
$144.6MLoans
$133.7MDeposits
$11.6MEquity
Loan mix
97%RE $102.9M3%C&I $2.8M0%Consumer $0.1MQ1 2004Q1 2005
Deposit mix
91%Interest-bearing $122.2M9%Noninterest $11.5MQ1 2004Q1 2005

NIM

4.96%Q1 ’034.22%Q1 ’044.57%Q1 ’05-19%-4%

Non-interest income vs. expense

3.19%Q1 ’032.94%Q1 ’042.41%Q1 ’05+3%-14%

Executive Summary

  • Earnings: ROA of 0.52%, up 8 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 108.12% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.52%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-10 bps YoY

Efficiency Ratio (YTD, annualized)

72.38%-778 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.44%0.54%0.62%0.62%0.52%+8 bps
Return on Equity6.34%8.03%9.20%9.24%7.82%+149 bps
Net Interest Margin2.84%2.71%2.61%2.61%2.74%-10 bps
Efficiency Ratio80.16%74.45%71.36%70.75%72.38%-778 bps
Non-Interest Burden2.11%1.79%1.62%1.61%1.82%-29 bps
Growth
Asset Growth (YoY)35.43%38.62%36.09%37.77%22.50%-1,292 bps
Loan Growth (YoY)37.39%38.36%48.99%48.14%27.06%-1,034 bps
Deposit Growth (YoY)52.53%52.67%39.89%17.75%3.48%-4,904 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.06%0.05%0.04%0.01%-7 bps
Allowance / Loans0.99%0.97%0.95%0.94%0.97%-3 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 Capital10.28%10.50%10.62%10.57%10.64%+36 bps
Equity / Assets6.56%6.40%6.77%6.63%6.72%+15 bps
Liquidity & Funding
Loans / Deposits88.07%82.33%99.15%105.38%108.12%+2,006 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