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Harris Bank Winnetka, National Association

Winnetka, IL · Cert 9275

FDIC

Q1 2005

$477.7MAssets
$399.2MLoans
$405.0MDeposits
$37.8MEquity
Loan mix
85%RE $223.7M14%C&I $38.2M1%Consumer $2.7MQ1 2004Q1 2005
Deposit mix
86%Interest-bearing $347.3M14%Noninterest $57.7MQ1 2004Q1 2005

NIM

4.76%Q1 ’034.27%Q1 ’044.81%Q1 ’05+5%0%

Non-interest income vs. expense

2.23%Q1 ’031.79%Q1 ’041.64%Q1 ’05-18%-9%

Executive Summary

  • Earnings: ROA of 1.22%, up 13 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 98.56% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

1.22%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.37%0 bps YoY

Efficiency Ratio (quarter, annualized)

44.44%-359 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.10%1.15%1.27%1.36%1.22%+13 bps
Return on Equity14.58%15.01%16.16%16.77%15.26%+68 bps
Net Interest Margin3.37%3.34%3.40%3.48%3.37%0 bps
Efficiency Ratio48.02%46.85%45.41%40.75%44.44%-359 bps
Non-Interest Burden1.44%1.36%1.33%1.21%1.32%-12 bps
Growth
Asset Growth (YoY)-1.40%-4.91%-0.10%-1.43%1.72%+312 bps
Loan Growth (YoY)5.10%1.43%4.50%3.65%4.99%-11 bps
Deposit Growth (YoY)0.29%-5.23%-0.98%1.18%1.18%+89 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%-0.01%0.12%0.01%0.02%-5 bps
Allowance / Loans1.12%1.14%1.10%1.11%1.11%-2 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 Capital11.59%11.49%11.82%11.97%11.75%+15 bps
Equity / Assets7.62%7.68%8.08%8.14%7.92%+30 bps
Liquidity & Funding
Loans / Deposits94.98%96.84%101.32%100.71%98.56%+358 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