FDIC Certificate #: 17321 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BMO Harris Bank National Association (#16571) Federal Reserve ID: 461441 Date Established: May 03, 1910 WWW:http://www.harrisbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 6 (Interstate: No) FDIC's unique #: 11333 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: May 03, 1954 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: 7549 West 63rd Street, Summit, IL 60501 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: $433.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
71Total employees (full-time equivalent)
$418,128Total assets
$7,686Cash and due from depository institutions
$0Interest-bearing balances
$20,063Securities
$7,450Federal funds sold & reverse repurchase agreements
$365,161Net loans & leases
$3,509Loan loss allowance
$0Trading account assets
$14,767Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,001All other assets
$418,128Total liabilities and capital
$386,576Total liabilities
$378,578Total deposits
$329,228Interest-bearing deposits
$378,578Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,700Subordinated debt
$2,298All other liabilities
$31,552Total equity capital
$31,552Total bank equity capital
$31,552Perpetual preferred stock
$0Common stock
$1,000Surplus
$11,038Undivided profits
Memoranda
$19,514Noncurrent loans and leases
$178,401Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,152Earning assets
$529Long-term assets (5+ years)
$1,411Average Assets, year-to-date
$392,674Average Assets, quarterly
$69,517Volatile liabilities
$403,138Insider loans
$408,679FHLB advances
$39,458Loans and leases held for sale
$558Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$178,401Total unused commitments
$0Restructured Loans and leases
$9,209Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$18,139Total interest income
$4,163Total interest expense
$13,976Net interest income
$720Provision for loan and lease losses
$2,465Total noninterest income
$0Fiduciary activities
$1,221Service charges on deposit accounts
$0Trading account gains & fees
$1,244Additional noninterest income
$10,091Total noninterest expense
$4,816Salaries and employee benefits
$1,152Premises and equipment expense
$4,123Additional noninterest expense
$5,630Pre-tax net operating income
$0Securities gains (losses)
$1,975Applicable income taxes
$3,655Income before extraordinary items
$0Extraordinary gains - net
$3,655Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$581Sale, conversion, retirement of capital stock, net
$2,250Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
1.10%Cost of funding earning assets
3.68%Net interest margin
0.65%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
1.40%Pretax return on assets
11.77%Return on equity (ROE)
4.53%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
123.92%Credit loss provision to net charge-offs
10.93%Efficiency ratio
61,377Assets per employee
5.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.56%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
163.06%Noncurrent assets plus other real estate owned to assets
0.51%Noncurrent loans to loans
0.58%Net loans and leases to deposits
96.46%Net loans and leases to core deposits
107.68%Equity capital to assets
7.55%Core capital (leverage) ratio
7.73%Tier 1 risk-based capital ratio
8.79%Total risk-based capital ratio
Memoranda
$11Average assets
$403,138Average earning assets
$31,045Average equity
$379,590Average loans
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