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Harris Trust and Savings Bank

Chicago, IL · Cert 906

FDIC

Q1 2005

$22.3BAssets
$12.3BLoans
$13.1BDeposits
$1.6BEquity
Loan mix
47%RE $4.0B53%C&I $4.5B0%Consumer $0.0BQ1 2004Q1 2005
Deposit mix
68%Interest-bearing $8.8B32%Noninterest $4.3BQ1 2004Q1 2005

NIM

3.54%Q1 ’033.17%Q1 ’043.53%Q1 ’05-11%-11%

Non-interest income vs. expense

2.92%Q1 ’032.94%Q1 ’042.80%Q1 ’05-4%+23%

Executive Summary

  • Earnings: ROA of 0.46%, down 21 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 94.13% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

0.46%-21 bps YoY

Net Interest Margin (quarter, annualized)

1.88%-24 bps YoY

Efficiency Ratio (quarter, annualized)

80.42%+996 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.67%0.89%0.73%0.43%0.46%-21 bps
Return on Equity8.65%11.51%9.26%5.50%6.12%-253 bps
Net Interest Margin2.13%2.17%2.14%2.03%1.88%-24 bps
Efficiency Ratio70.45%70.95%82.35%74.38%80.42%+996 bps
Non-Interest Burden1.02%1.15%1.56%1.21%1.26%+24 bps
Growth
Asset Growth (YoY)4.57%-3.83%0.57%7.07%3.92%-65 bps
Loan Growth (YoY)3.40%7.33%14.14%18.33%19.58%+1,618 bps
Deposit Growth (YoY)19.61%12.00%4.61%1.56%1.97%-1,763 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%0.37%0.18%-0.02%0.24%-12 bps
Allowance / Loansn/an/an/an/an/an/an/a
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 Capital11.81%12.06%11.80%11.75%11.12%-69 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.27%89.29%87.91%93.70%94.13%+1,386 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