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Letter portraitLegal landscapeQuarterYTD

Harris Bank Hinsdale, National Association

Hinsdale, IL · Cert 3679

FDIC

Q1 2005

$843.8MAssets
$704.8MLoans
$736.1MDeposits
$65.3MEquity
Loan mix
92%RE $444.4M7%C&I $33.3M1%Consumer $5.4MQ1 2004Q1 2005
Deposit mix
86%Interest-bearing $633.3M14%Noninterest $102.8MQ1 2004Q1 2005

NIM

5.02%Q1 ’034.68%Q1 ’044.78%Q1 ’05+3%-11%

Non-interest income vs. expense

2.10%Q1 ’031.76%Q1 ’041.52%Q1 ’05-18%-12%

Executive Summary

  • Earnings: ROA of 1.40%, up 4 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 95.75% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

1.40%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.34%-43 bps YoY

Efficiency Ratio (quarter, annualized)

41.41%-82 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.36%1.51%1.49%1.51%1.40%+4 bps
Return on Equity17.19%18.99%19.29%19.30%17.76%+57 bps
Net Interest Margin3.77%3.71%3.65%3.54%3.34%-43 bps
Efficiency Ratio42.23%41.14%43.00%39.90%41.41%-82 bps
Non-Interest Burden1.36%1.21%1.33%1.21%1.19%-17 bps
Growth
Asset Growth (YoY)-0.53%0.28%2.73%1.58%8.53%+906 bps
Loan Growth (YoY)6.65%6.10%9.69%4.15%6.78%+13 bps
Deposit Growth (YoY)-4.13%-2.63%-2.82%1.51%11.86%+1,599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.03%0.12%0.01%0.05%-3 bps
Allowance / Loans1.32%1.32%1.23%1.23%1.21%-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 Capital11.74%11.55%11.34%11.84%11.66%-8 bps
Equity / Assets8.12%7.82%7.63%8.00%7.74%-38 bps
Liquidity & Funding
Loans / Deposits100.30%99.93%103.22%100.82%95.75%-455 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