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Harris Bank Barrington, National Association

Barrington, IL · Cert 3604

FDIC

Q1 2005

$1.5BAssets
$1.2BLoans
$1.2BDeposits
$117.4MEquity
Loan mix
92%RE $370.1M7%C&I $29.1M0%Consumer $1.0MQ1 2004Q1 2005
Deposit mix
75%Interest-bearing $877.5M25%Noninterest $290.4MQ1 2004Q1 2005

NIM

5.06%Q1 ’034.01%Q1 ’044.22%Q1 ’05-19%-14%

Non-interest income vs. expense

2.53%Q1 ’031.59%Q1 ’041.42%Q1 ’05-50%-23%

Executive Summary

  • Earnings: ROA of 1.32%, down 11 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 98.54% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

1.32%-11 bps YoY

Net Interest Margin (quarter, annualized)

2.64%-44 bps YoY

Efficiency Ratio (quarter, annualized)

41.16%+9 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.44%1.52%1.51%1.47%1.32%-11 bps
Return on Equity19.32%19.93%20.13%18.98%16.34%-298 bps
Net Interest Margin3.08%3.07%2.92%2.82%2.64%-44 bps
Efficiency Ratio41.07%40.50%40.25%36.58%41.16%+9 bps
Non-Interest Burden0.80%0.73%0.65%0.51%0.61%-18 bps
Growth
Asset Growth (YoY)17.26%3.89%13.68%1.79%2.33%-1,493 bps
Loan Growth (YoY)11.03%9.65%3.59%4.65%8.32%-270 bps
Deposit Growth (YoY)3.38%3.80%-0.87%2.01%3.15%-23 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.34%0.18%0.07%0.26%+18 bps
Allowance / Loans1.18%1.08%1.02%1.02%0.98%-21 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 Capital11.95%12.03%11.61%12.35%11.86%-8 bps
Equity / Assets7.10%8.22%6.94%8.66%7.60%+51 bps
Liquidity & Funding
Loans / Deposits93.84%95.30%98.48%99.95%98.54%+471 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