PackageTrendsPeer
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Harris Trust/Bank of Montreal

West Palm Beach, FL · Cert 91247

FDIC

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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 Trust/Bank of Montreal

West Palm Beach, FL · Cert 91247

FDIC

Q4 2002

$129.7MAssets
$85.4MLoans
$105.1MDeposits
$20.6MEquity
Loan mix
96%RE $60.3M4%C&I $2.5M1%Consumer $0.3MQ4 2001Q4 2002
Deposit mix
97%Interest-bearing $102.2M3%Noninterest $2.9MQ4 2001Q4 2002

NIM

7.53%Q1 ’017.77%Q4 ’015.03%Q4 ’02+22%-10%

Non-interest income vs. expense

8.59%Q1 ’0110.86%Q4 ’0110.20%Q4 ’02+20%-10%

Executive Summary

  • Earnings: ROA of -1.72%, up 88 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 81.21% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-1.72%+88 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-35 bps YoY

Efficiency Ratio (YTD, annualized)

133.51%-212 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-2.60%-2.43%-1.90%-1.86%-1.72%+88 bps
Return on Equityn/a-13.80%-11.24%-11.21%-10.43%n/a
Net Interest Margin3.46%3.23%3.37%3.28%3.12%-35 bps
Efficiency Ratio135.63%144.58%135.33%135.99%133.51%-212 bps
Non-Interest Burden6.31%6.85%6.25%6.12%5.68%-64 bps
Growth
Asset Growth (YoY)-24.41%-22.38%-10.06%-4.08%0.29%+2,470 bps
Loan Growth (YoY)-19.63%-20.56%-24.68%-20.50%-10.64%+899 bps
Deposit Growth (YoY)-26.97%-28.22%-9.10%-5.81%2.40%+2,937 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.51%-0.03%0.29%0.44%0.48%-4 bps
Allowance / Loans2.44%2.55%2.53%2.57%2.44%0 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 Capital18.46%18.11%17.83%18.36%17.80%-66 bps
Equity / Assets17.60%17.70%15.61%15.70%15.89%-171 bps
Liquidity & Funding
Loans / Deposits93.07%95.22%80.59%78.69%81.21%-1,185 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