PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harris Bank Batavia, National Association

Batavia, IL · Cert 3605

FDIC

Q1 2005

$189.6MAssets
$163.6MLoans
$168.0MDeposits
$14.0MEquity
Loan mix
94%RE $108.8M5%C&I $6.0M0%Consumer $0.4MQ1 2004Q1 2005
Deposit mix
81%Interest-bearing $136.3M19%Noninterest $31.7MQ1 2004Q1 2005

NIM

4.56%Q1 ’033.94%Q1 ’044.34%Q1 ’05-15%+9%

Non-interest income vs. expense

2.98%Q1 ’033.04%Q1 ’042.55%Q1 ’05+14%-23%

Executive Summary

  • Earnings: ROA of 0.69%, up 88 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 97.35% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.69%+88 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+27 bps YoY

Efficiency Ratio (YTD, annualized)

66.74%-2,044 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 Assets-0.19%-0.02%0.05%0.18%0.69%+88 bps
Return on Equity-2.90%-0.23%0.68%2.59%9.56%+1,246 bps
Net Interest Margin2.90%2.88%2.86%2.97%3.16%+27 bps
Efficiency Ratio87.18%85.45%84.97%81.22%66.74%-2,044 bps
Non-Interest Burden2.45%2.37%2.34%2.30%1.89%-56 bps
Growth
Asset Growth (YoY)16.95%14.99%14.93%-1.08%-0.36%-1,732 bps
Loan Growth (YoY)26.54%21.22%19.44%5.82%-0.32%-2,686 bps
Deposit Growth (YoY)12.56%13.71%15.63%-2.45%-0.03%-1,259 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.05%0.08%0.07%0.17%+10 bps
Allowance / Loans1.01%1.10%1.16%1.21%1.22%+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 Capital11.91%12.18%12.51%12.84%13.12%+121 bps
Equity / Assets6.72%7.00%7.02%6.97%7.39%+67 bps
Liquidity & Funding
Loans / Deposits97.64%95.73%97.66%92.67%97.35%-29 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