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

This bank is inactive as of May 27, 2005

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

  • General
  • FDIC Certificate #: 9275
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 368447
    Date Established: May 17, 1909
    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 #: 5934
    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: January 01, 1934
    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: 790 Elm Street, Winnetka, IL 60093
    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: $477.7 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
  • 38Total employees (full-time equivalent)
  • $466,149Total assets
  • $8,737Cash and due from depository institutions
  • $0Interest-bearing balances
  • $59,652Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $390,364Net loans & leases
  • $4,368Loan loss allowance
  • $0Trading account assets
  • $2,917Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,479All other assets
  • $466,149Total liabilities and capital
  • $428,215Total liabilities
  • $391,955Total deposits
  • $335,099Interest-bearing deposits
  • $391,955Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $30,049Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,500Subordinated debt
  • $2,711All other liabilities
  • $37,934Total equity capital
  • $37,934Total bank equity capital
  • $37,934Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $2,221Undivided profits
  • Memoranda
  • $34,213Noncurrent loans and leases
  • $220,021Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $183Earning assets
  • $0Long-term assets (5+ years)
  • $1,932Average Assets, year-to-date
  • $450,016Average Assets, quarterly
  • $50,606Volatile liabilities
  • $468,008Insider loans
  • $464,470FHLB advances
  • $104,557Loans and leases held for sale
  • $3,784Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $220,021Total unused commitments
  • $0Restructured Loans and leases
  • $7,868Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $20,533Total interest income
  • $4,683Total interest expense
  • $15,850Net interest income
  • $375Provision for loan and lease losses
  • $1,698Total noninterest income
  • $0Fiduciary activities
  • $822Service charges on deposit accounts
  • $0Trading account gains & fees
  • $876Additional noninterest income
  • $7,936Total noninterest expense
  • $3,686Salaries and employee benefits
  • $453Premises and equipment expense
  • $3,797Additional noninterest expense
  • $9,237Pre-tax net operating income
  • -$10Securities gains (losses)
  • $3,524Applicable income taxes
  • $5,703Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,703Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $192Sale, conversion, retirement of capital stock, net
  • $2,825Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 1.76%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 15.63%Return on equity (ROE)
  • 7.89%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 195.31%Credit loss provision to net charge-offs
  • 50.06%Efficiency ratio
  • 45,225Assets per employee
  • 12.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.54%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 2386.89%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 99.59%Net loans and leases to core deposits
  • 122.97%Equity capital to assets
  • 8.14%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $468,008Average earning assets
  • $36,477Average equity
  • $451,231Average loans

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