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Letter portraitLegal landscapeQuarterYTD

Harris Bank Arlington-Meadows

Rolling Meadows, IL · Cert 18106

FDIC

Q1 2005

$318.4MAssets
$250.3MLoans
$271.8MDeposits
$25.8MEquity
Loan mix
95%RE $123.7M5%C&I $5.9M0%Consumer $0.5MQ1 2004Q1 2005
Deposit mix
85%Interest-bearing $230.1M15%Noninterest $41.8MQ1 2004Q1 2005

NIM

4.77%Q1 ’034.46%Q1 ’044.73%Q1 ’05+8%-3%

Non-interest income vs. expense

2.15%Q1 ’032.22%Q1 ’042.16%Q1 ’05+6%-3%

Executive Summary

  • Earnings: ROA of 1.11%, down 5 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 92.09% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.11%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-12 bps YoY

Efficiency Ratio (YTD, annualized)

54.77%+25 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 Assets1.17%1.19%1.18%1.18%1.11%-5 bps
Return on Equity15.05%15.38%15.06%15.18%13.97%-107 bps
Net Interest Margin3.56%3.59%3.58%3.55%3.44%-12 bps
Efficiency Ratio54.53%53.91%54.30%53.02%54.77%+25 bps
Non-Interest Burden1.71%1.68%1.68%1.62%1.66%-5 bps
Growth
Asset Growth (YoY)0.54%-1.53%-0.10%0.76%-0.75%-129 bps
Loan Growth (YoY)8.91%0.09%1.76%-1.94%-2.08%-1,099 bps
Deposit Growth (YoY)-3.42%-4.47%-2.96%-2.43%2.73%+615 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.05%0.06%0.07%0.06%+2 bps
Allowance / Loans1.11%1.11%1.08%1.10%1.10%-1 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 Capital11.73%11.63%11.81%11.80%11.98%+25 bps
Equity / Assets7.95%7.74%7.97%7.79%8.12%+17 bps
Liquidity & Funding
Loans / Deposits96.62%97.24%98.81%98.70%92.09%-453 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