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 $0.4MQ2 2003Q1 2005
Deposit mix
81%Interest-bearing $136.3M19%Noninterest $31.7MQ2 2003Q1 2005

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.82%0.81%0.45%-0.19%-0.02%0.05%0.18%0.69%+88 bps
Return on Equity10.39%10.37%5.95%-2.90%-0.23%0.68%2.59%9.56%+1,246 bps
Net Interest Margin3.31%3.33%2.92%2.90%2.88%2.86%2.97%3.16%+27 bps
Efficiency Ratio67.68%67.78%74.46%87.18%85.45%84.97%81.22%66.74%-2,044 bps
Non-Interest Burden1.95%1.94%1.97%2.45%2.37%2.34%2.30%1.89%-56 bps
Growth
Asset Growth (YoY)4.24%10.06%31.68%16.95%14.99%14.93%-1.08%-0.36%-1,732 bps
Loan Growth (YoY)21.08%21.70%32.64%26.54%21.22%19.44%5.82%-0.32%-2,686 bps
Deposit Growth (YoY)5.15%5.45%31.52%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.45%0.36%0.07%0.05%0.08%0.07%0.17%+10 bps
Allowance / Loans0.88%0.66%0.84%1.01%1.10%1.16%1.21%1.22%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.26%10.76%10.90%11.91%12.18%12.51%12.84%13.12%+121 bps
Equity / Assets7.76%7.88%6.48%6.72%7.00%7.02%6.97%7.39%+67 bps
Liquidity & Funding
Loans / Deposits89.80%94.55%85.43%97.64%95.73%97.66%92.67%97.35%-29 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a