FDIC Certificate #: 16090 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Harris Bank Joliet, National Association (#3685) Federal Reserve ID: 869047 Date Established: October 01, 1943 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 10308 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: October 01, 1943 Last Structure Change Effective Date: March 14, 1998 Last Structure Change Process Date: April 27, 1998 Last Data Update: April 27, 1998 Data Source Date: April 05, 2012
Location
Address: 2005 West Route #34, Plano, IL 60545 County: Kendall 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: $73.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
30Total employees (full-time equivalent)
$73,367Total assets
$2,909Cash and due from depository institutions
$0Interest-bearing balances
$13,083Securities
$7,200Federal funds sold & reverse repurchase agreements
$43,542Net loans & leases
$235Loan loss allowance
$0Trading account assets
$1,509Bank premises and fixed assets
$5Other real estate owned
$4,436Goodwill and other intangibles
$0Life insurance assets
$683All other assets
$73,367Total liabilities and capital
$63,830Total liabilities
$62,402Total deposits
$55,771Interest-bearing deposits
$62,402Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,428All other liabilities
$9,537Total equity capital
$9,537Total bank equity capital
$9,537Perpetual preferred stock
$0Common stock
$179Surplus
$8,944Undivided profits
Memoranda
$414Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$174Earning assets
$0Long-term assets (5+ years)
$396Average Assets, year-to-date
$63,825Average Assets, quarterly
$5,394Volatile liabilities
$71,727Insider loans
$72,320FHLB advances
$5,809Loans and leases held for sale
$490Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,224Total unused commitments
$0Restructured Loans and leases
$44,510Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$5,217Total interest income
$2,514Total interest expense
$2,703Net interest income
$102Provision for loan and lease losses
$318Total noninterest income
$0Fiduciary activities
$215Service charges on deposit accounts
$0Trading account gains & fees
$103Additional noninterest income
$2,513Total noninterest expense
$1,105Salaries and employee benefits
$247Premises and equipment expense
$1,161Additional noninterest expense
$406Pre-tax net operating income
$1Securities gains (losses)
$111Applicable income taxes
$296Income before extraordinary items
$0Extraordinary gains - net
$296Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$185Sale, conversion, retirement of capital stock, net
$509Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.30%Yield on earning assets
4.00%Cost of funding earning assets
4.30%Net interest margin
0.51%Noninterest income to earning assets
4.00%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.57%Pretax return on assets
3.11%Return on equity (ROE)
-2.24%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
55.14%Credit loss provision to net charge-offs
2.75%Efficiency ratio
65,442Assets per employee
2.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
171.96%Loss allowance to loans
0.54%Loss allowance to noncurrent loans
135.06%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.40%Net loans and leases to deposits
69.78%Net loans and leases to core deposits
76.94%Equity capital to assets
13.00%Core capital (leverage) ratio
8.81%Tier 1 risk-based capital ratio
13.74%Total risk-based capital ratio
Memoranda
$14Average assets
$71,727Average earning assets
$9,526Average equity
$62,847Average loans
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