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

This bank is inactive as of May 27, 2005

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

  • General
  • FDIC Certificate #: 18401
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 935634
    Date Established: June 17, 1961
    WWW: http://www.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: 4 (Interstate: No)
    FDIC's unique #: 12307
    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: June 17, 1961
    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: 2412 Indian Trail Road, Aurora, IL 60506
    County: Kane
    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: $202.5 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
  • 34Total employees (full-time equivalent)
  • $198,955Total assets
  • $3,775Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,908Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $171,734Net loans & leases
  • $1,838Loan loss allowance
  • $0Trading account assets
  • $6,659Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,879All other assets
  • $198,955Total liabilities and capital
  • $185,151Total liabilities
  • $158,296Total deposits
  • $134,582Interest-bearing deposits
  • $158,296Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $23,317Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,500Subordinated debt
  • $1,038All other liabilities
  • $13,804Total equity capital
  • $13,804Total bank equity capital
  • $13,804Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $9,255Undivided profits
  • Memoranda
  • $3,949Noncurrent loans and leases
  • $64,735Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $155Earning assets
  • $118Long-term assets (5+ years)
  • $833Average Assets, year-to-date
  • $186,642Average Assets, quarterly
  • $40,479Volatile liabilities
  • $197,553Insider loans
  • $201,034FHLB advances
  • $35,243Loans and leases held for sale
  • $1,012Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $64,735Total unused commitments
  • $0Restructured Loans and leases
  • $4,338Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $8,385Total interest income
  • $2,728Total interest expense
  • $5,657Net interest income
  • $480Provision for loan and lease losses
  • $1,747Total noninterest income
  • $0Fiduciary activities
  • $1,070Service charges on deposit accounts
  • $0Trading account gains & fees
  • $677Additional noninterest income
  • $5,946Total noninterest expense
  • $2,175Salaries and employee benefits
  • $684Premises and equipment expense
  • $3,087Additional noninterest expense
  • $978Pre-tax net operating income
  • $0Securities gains (losses)
  • $310Applicable income taxes
  • $668Income before extraordinary items
  • $0Extraordinary gains - net
  • $668Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $158Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 3.11%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 4.97%Return on equity (ROE)
  • 4.97%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 303.80%Credit loss provision to net charge-offs
  • 9.23%Efficiency ratio
  • 80,308Assets per employee
  • 5.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 1185.81%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 108.49%Net loans and leases to core deposits
  • 117.33%Equity capital to assets
  • 6.94%Core capital (leverage) ratio
  • 6.79%Tier 1 risk-based capital ratio
  • 8.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $197,553Average earning assets
  • $13,439Average equity
  • $182,138Average loans

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