Vitals
  • Total Assets
    218.2M 2.0 %
  • Total Deposits
    191.2M 1.1 %
  • Total Net Loans
    124.3M 5.9 %
  • Net Income
    2.0M 77.5 %
  • Book Value
    22.9M -2.9 %
  • Book Value x2
    45.9M -2.9 %
  • Book Value x3
    68.8M -2.9 %
ROAA

.903

ROAE

8.086

Efficiency Ratio

72.863

Net Interest Margin

3.855

Balance Sheet Highlights
Financial Highlights The Harvard State Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 218,173 290,894
Total Net Loans 124,321 191,278
Total Deposits 191,228 246,407
Total Equity 22,941 31,125
Profitability
Net Income 1,953 2,670
Return on Average Assets .903 .919
Return on Average Equity 8.086 8.247
Net Interest Margin 3.855 3.499
Efficiency Ratio 72.863 67.9
Noninterest Income/Revenue 13.889 16.598
Balance Sheet Ratios
Loan-to-Deposit 65.012 72.669
Securities/Assets .318 .191
Total Equity/Total Assets .105 .107
Tangible Equity/Tangible Assets .093 .103
Capital Adequacy
Tier 1 Common Capital 21,719 29,670
Tier 1 Capital 21,719 29,720
Tier 2 Capital 1,385 2,112
Total Capital 23,104 31,905
Total Risk Weighted Assets 126,084 212,461
Leverage Ratio 9.97 10.62
Common Equity Tier 1 Capital Ratio 17.23 16.313
Tier 1 Capital Ratio 17.23 16.329
Total Capital Ratio 18.32 17.341

Timeline for The Harvard State Bank

Rock River Bank

Acquisition: The Harvard State Bank acquired a new subsidiary, Rock River Bank, 14 years

View Profile Jul 03 2009

Hebron State Bank

Acquisition: The Harvard State Bank acquired a new subsidiary, Hebron State Bank, 22 years

View Profile Sep 22 2001

Harvard Bancshares, Inc.

Harvard Bancshares, Inc. became a new parent organization for The Harvard State Bank.

View Profile Dec 31 1983

The Harvard State Bank

The Harvard State Bank was established 157 years ago and is currently headquartered in Harvard, IL.

Aug 01 1866
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Rock River Bank Seller 74,808 Failure 7/3/2009
Hebron State Bank Seller 27,653 Pooling of Interests Discontinued 9/22/2001
Relationships Role Relationship Start Relationship End
Harvard Bancshares, Inc. Parent 12/31/1983
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