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Letter portraitLegal landscapeQuarterYTD

Harris Bank Hoffman-Schaumburg

Hoffman Estates, IL · Cert 19974

FDIC

Q1 2005

$112.6MAssets
$97.7MLoans
$101.7MDeposits
$10.2MEquity
Loan mix
95%RE $75.7M5%C&I $3.7M0%Consumer $0.2MQ1 2004Q1 2005
Deposit mix
77%Interest-bearing $78.1M23%Noninterest $23.6MQ1 2004Q1 2005

NIM

5.01%Q1 ’034.46%Q1 ’044.95%Q1 ’05-4%+2%

Non-interest income vs. expense

3.08%Q1 ’032.79%Q1 ’042.49%Q1 ’05-1%-14%

Executive Summary

  • Earnings: ROA of 1.40%, up 25 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 96.07% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.40%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+7 bps YoY

Efficiency Ratio (YTD, annualized)

52.15%-649 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 Assets1.15%1.20%1.25%1.29%1.40%+25 bps
Return on Equity13.13%13.71%14.35%14.76%15.63%+251 bps
Net Interest Margin3.78%3.71%3.75%3.71%3.85%+7 bps
Efficiency Ratio58.64%57.34%56.63%55.31%52.15%-649 bps
Non-Interest Burden1.81%1.69%1.65%1.58%1.56%-25 bps
Growth
Asset Growth (YoY)-2.88%-5.79%-1.65%-0.06%0.55%+343 bps
Loan Growth (YoY)10.46%5.10%6.21%7.66%8.36%-210 bps
Deposit Growth (YoY)-3.14%-5.20%1.07%0.36%0.32%+347 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.01%0.02%0.05%-0.01%-16 bps
Allowance / Loans1.15%1.21%1.14%1.13%1.13%-2 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 Capital14.04%13.97%13.02%12.94%13.34%-70 bps
Equity / Assets8.93%8.82%8.54%8.78%9.10%+17 bps
Liquidity & Funding
Loans / Deposits88.95%88.32%96.50%103.60%96.07%+713 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