Harris Bank Wilmette, National Association in Wilmette, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 27, 2005

  • Harris Bank Wilmette, National Association in Wilmette, Illinois (IL)
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Harris Bank Wilmette, National Association - Overview

  • General
  • FDIC Certificate #: 21206
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 203847
    Date Established: September 01, 1973
    WWW: http://www4.harrisbank.com/
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 14665
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 01, 1973
    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: 1701 Sheridan Road, Wilmette, IL 60091
    County: Cook
    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: $139.7 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
  • 21Total employees (full-time equivalent)
  • $139,292Total assets
  • $3,435Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,606Securities
  • $4,675Federal funds sold & reverse repurchase agreements
  • $124,666Net loans & leases
  • $1,571Loan loss allowance
  • $0Trading account assets
  • $1,544Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,366All other assets
  • $139,292Total liabilities and capital
  • $126,675Total liabilities
  • $123,605Total deposits
  • $110,940Interest-bearing deposits
  • $123,605Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,500Subordinated debt
  • $570All other liabilities
  • $12,617Total equity capital
  • $12,617Total bank equity capital
  • $12,617Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $3,343Undivided profits
  • Memoranda
  • $8,974Noncurrent loans and leases
  • $60,106Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $166Earning assets
  • $0Long-term assets (5+ years)
  • $393Average Assets, year-to-date
  • $132,947Average Assets, quarterly
  • $11,851Volatile liabilities
  • $147,786Insider loans
  • $139,941FHLB advances
  • $12,986Loans and leases held for sale
  • $1,102Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $60,106Total unused commitments
  • $0Restructured Loans and leases
  • $3,969Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $6,213Total interest income
  • $1,554Total interest expense
  • $4,659Net interest income
  • $222Provision for loan and lease losses
  • $623Total noninterest income
  • $0Fiduciary activities
  • $160Service charges on deposit accounts
  • $0Trading account gains & fees
  • $463Additional noninterest income
  • $3,699Total noninterest expense
  • $1,630Salaries and employee benefits
  • $584Premises and equipment expense
  • $1,485Additional noninterest expense
  • $1,361Pre-tax net operating income
  • $0Securities gains (losses)
  • $477Applicable income taxes
  • $884Income before extraordinary items
  • $0Extraordinary gains - net
  • $884Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $113Sale, conversion, retirement of capital stock, net
  • $525Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.29%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 7.04%Return on equity (ROE)
  • 2.86%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 196.46%Credit loss provision to net charge-offs
  • 14.01%Efficiency ratio
  • 70,030Assets per employee
  • 6.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.39%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 946.39%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 100.86%Net loans and leases to core deposits
  • 112.70%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 10.64%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $147,786Average earning assets
  • $12,549Average equity
  • $141,425Average loans

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