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Harris Bank Westchester

Westchester, IL · Cert 19107

FDIC

Q1 2005

$208.6MAssets
$170.3MLoans
$189.2MDeposits
$16.2MEquity
Loan mix
98%RE $102.7M2%C&I $1.8M0%Consumer $0.2MQ1 2004Q1 2005
Deposit mix
90%Interest-bearing $170.3M10%Noninterest $18.9MQ1 2004Q1 2005

NIM

5.00%Q1 ’034.54%Q1 ’044.54%Q1 ’05+1%-11%

Non-interest income vs. expense

2.23%Q1 ’032.07%Q1 ’041.95%Q1 ’05-6%-8%

Executive Summary

  • Earnings: ROA of 1.01%, unchanged from a year ago; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 89.98% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.01%0 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-38 bps YoY

Efficiency Ratio (YTD, annualized)

55.93%+222 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 Assets1.02%1.00%1.03%1.07%1.01%0 bps
Return on Equity13.33%13.25%13.61%14.02%12.95%-38 bps
Net Interest Margin3.41%3.21%3.20%3.17%3.03%-38 bps
Efficiency Ratio53.71%55.51%55.51%53.66%55.93%+222 bps
Non-Interest Burden1.62%1.57%1.56%1.48%1.49%-12 bps
Growth
Asset Growth (YoY)0.02%-0.49%5.30%1.25%0.11%+9 bps
Loan Growth (YoY)5.63%3.85%8.13%5.69%2.30%-333 bps
Deposit Growth (YoY)-0.41%2.30%4.61%3.70%0.08%+49 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.09%0.12%0.14%-0.04%-10 bps
Allowance / Loans1.28%1.22%1.18%1.12%1.17%-11 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 Capital12.37%11.71%12.34%12.37%12.68%+31 bps
Equity / Assets7.69%7.40%7.73%7.87%7.78%+9 bps
Liquidity & Funding
Loans / Deposits88.03%92.84%93.05%93.66%89.98%+195 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