Harris Bank Naperville in Naperville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 27, 2005

  • Harris Bank Naperville in Naperville, Illinois (IL)
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Harris Bank Naperville - Overview

  • General
  • FDIC Certificate #: 17728
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 834849
    Date Established: March 14, 1957
    WWW: http://www.harrisbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 11685
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 14, 1957
    Last Structure Change Effective Date: May 27, 2005
    Last Structure Change Process Date: June 03, 2005
    Last Data Update: June 03, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 503 North Washington Street, Naperville, IL 60563
    County: Dupage
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • Financial Summary
  • Total assets: $803.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

  • Dollar figures in thousands
  • 99Total employees (full-time equivalent)
  • $814,259Total assets
  • $19,751Cash and due from depository institutions
  • $0Interest-bearing balances
  • $98,851Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $676,180Net loans & leases
  • $7,291Loan loss allowance
  • $0Trading account assets
  • $12,744Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,733All other assets
  • $814,259Total liabilities and capital
  • $750,971Total liabilities
  • $728,035Total deposits
  • $618,648Interest-bearing deposits
  • $728,035Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $9,875Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8,000Subordinated debt
  • $5,061All other liabilities
  • $63,288Total equity capital
  • $63,288Total bank equity capital
  • $63,288Perpetual preferred stock
  • $0Common stock
  • $901Surplus
  • $24,663Undivided profits
  • Memoranda
  • $37,724Noncurrent loans and leases
  • $319,048Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $355Earning assets
  • $0Long-term assets (5+ years)
  • $3,228Average Assets, year-to-date
  • $775,031Average Assets, quarterly
  • $121,810Volatile liabilities
  • $822,112Insider loans
  • $820,548FHLB advances
  • $102,449Loans and leases held for sale
  • $5,216Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $319,048Total unused commitments
  • $0Restructured Loans and leases
  • $15,291Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $34,220Total interest income
  • $8,926Total interest expense
  • $25,294Net interest income
  • $1,420Provision for loan and lease losses
  • $4,405Total noninterest income
  • $0Fiduciary activities
  • $1,938Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,467Additional noninterest income
  • $16,229Total noninterest expense
  • $7,379Salaries and employee benefits
  • $1,420Premises and equipment expense
  • $7,430Additional noninterest expense
  • $12,050Pre-tax net operating income
  • $1Securities gains (losses)
  • $4,170Applicable income taxes
  • $7,881Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,881Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $643Sale, conversion, retirement of capital stock, net
  • $4,300Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 12.63%Return on equity (ROE)
  • 5.74%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 220.84%Credit loss provision to net charge-offs
  • 20.95%Efficiency ratio
  • 54,645Assets per employee
  • 8.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.56%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 2053.80%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 92.88%Net loans and leases to core deposits
  • 106.41%Equity capital to assets
  • 7.77%Core capital (leverage) ratio
  • 7.68%Tier 1 risk-based capital ratio
  • 9.36%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $822,112Average earning assets
  • $62,376Average equity
  • $778,463Average loans

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