PackageTrendsPeer
Letter portraitLegal landscape

Harris Bank Bartlett

Bartlett, IL · Cert 9073

FDIC

Q1 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Harris Bank Bartlett

Bartlett, IL · Cert 9073

FDIC

Q1 2005

$231.0MAssets
$190.2MLoans
$188.7MDeposits
$18.1MEquity
Loan mix
97%RE $125.0M2%C&I $2.9M1%Consumer $1.6MQ1 2004Q1 2005
Deposit mix
81%Interest-bearing $152.6M19%Noninterest $36.0MQ1 2004Q1 2005

NIM

5.07%Q1 ’034.48%Q1 ’044.75%Q1 ’05-6%-7%

Non-interest income vs. expense

2.87%Q1 ’032.73%Q1 ’042.56%Q1 ’05+14%-13%

Executive Summary

  • Earnings: ROA of 1.07%, up 23 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 100.84% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.07%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-24 bps YoY

Efficiency Ratio (YTD, annualized)

58.81%-154 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 Assets0.83%0.87%0.95%1.05%1.07%+23 bps
Return on Equity10.67%11.07%12.05%13.17%13.22%+255 bps
Net Interest Margin3.70%3.69%3.72%3.64%3.46%-24 bps
Efficiency Ratio60.35%61.27%61.24%59.27%58.81%-154 bps
Non-Interest Burden1.91%1.91%1.89%1.76%1.67%-24 bps
Growth
Asset Growth (YoY)11.48%3.03%2.33%0.36%-1.46%-1,294 bps
Loan Growth (YoY)22.30%13.44%5.68%2.87%7.41%-1,489 bps
Deposit Growth (YoY)13.11%-1.60%-1.73%-0.29%-10.03%-2,314 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.09%0.02%0.04%-0.01%-6 bps
Allowance / Loans1.03%1.13%1.16%1.12%1.10%+6 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 Capital11.69%12.05%12.14%12.59%11.71%+1 bps
Equity / Assets7.42%7.99%8.05%8.30%7.83%+40 bps
Liquidity & Funding
Loans / Deposits84.47%95.19%95.95%100.40%100.84%+1,638 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