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

This bank is inactive as of May 27, 2005

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

  • General
  • FDIC Certificate #: 3679
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 628235
    Date Established: July 01, 1922
    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: 3 (Interstate: No)
    FDIC's unique #: 2353
    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: 50 South Lincoln Street, Hinsdale, IL 60521
    County: Dupage
    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: $843.8 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
  • 67Total employees (full-time equivalent)
  • $823,318Total assets
  • $11,550Cash and due from depository institutions
  • $0Interest-bearing balances
  • $106,322Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $689,876Net loans & leases
  • $8,585Loan loss allowance
  • $0Trading account assets
  • $6,654Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $8,916All other assets
  • $823,318Total liabilities and capital
  • $757,454Total liabilities
  • $692,797Total deposits
  • $590,997Interest-bearing deposits
  • $692,797Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $54,423Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,000Subordinated debt
  • $6,234All other liabilities
  • $65,864Total equity capital
  • $65,864Total bank equity capital
  • $65,864Perpetual preferred stock
  • $0Common stock
  • $1,286Surplus
  • $11,819Undivided profits
  • Memoranda
  • $52,759Noncurrent loans and leases
  • $338,112Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $512Earning assets
  • $0Long-term assets (5+ years)
  • $3,564Average Assets, year-to-date
  • $796,198Average Assets, quarterly
  • $125,531Volatile liabilities
  • $807,331Insider loans
  • $826,842FHLB advances
  • $137,779Loans and leases held for sale
  • $938Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $338,112Total unused commitments
  • $0Restructured Loans and leases
  • $12,117Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $37,147Total interest income
  • $8,027Total interest expense
  • $29,120Net interest income
  • $760Provision for loan and lease losses
  • $3,340Total noninterest income
  • $0Fiduciary activities
  • $1,321Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,019Additional noninterest income
  • $13,495Total noninterest expense
  • $6,555Salaries and employee benefits
  • $948Premises and equipment expense
  • $5,992Additional noninterest expense
  • $18,205Pre-tax net operating income
  • $24Securities gains (losses)
  • $6,415Applicable income taxes
  • $11,814Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,814Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $421Sale, conversion, retirement of capital stock, net
  • $7,100Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.74%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 2.26%Pretax return on assets
  • 18.64%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 180.52%Credit loss provision to net charge-offs
  • 45.05%Efficiency ratio
  • 41,574Assets per employee
  • 12.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.10%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 1676.76%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 99.58%Net loans and leases to core deposits
  • 113.20%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 9.98%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $807,331Average earning assets
  • $63,373Average equity
  • $777,553Average loans

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