FDIC Certificate #: 19107 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BMO Harris Bank National Association (#16571) Federal Reserve ID: 547149 Date Established: May 09, 1964 WWW:http://www.harrisbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 12939 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 09, 1964 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: 10500 West Cermak Road, Westchester, IL 60153 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: $208.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$207,408Total assets
$2,537Cash and due from depository institutions
$0Interest-bearing balances
$25,576Securities
$1,675Federal funds sold & reverse repurchase agreements
$174,161Net loans & leases
$1,979Loan loss allowance
$0Trading account assets
$1,989Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,470All other assets
$207,408Total liabilities and capital
$191,075Total liabilities
$188,059Total deposits
$167,572Interest-bearing deposits
$188,059Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,000Subordinated debt
$1,016All other liabilities
$16,333Total equity capital
$16,333Total bank equity capital
$16,333Perpetual preferred stock
$0Common stock
$330Surplus
$5,068Undivided profits
Memoranda
$10,935Noncurrent loans and leases
$65,596Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$324Earning assets
$163Long-term assets (5+ years)
$726Average Assets, year-to-date
$201,412Average Assets, quarterly
$29,954Volatile liabilities
$208,622Insider loans
$209,336FHLB advances
$14,905Loans and leases held for sale
$850Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$65,596Total unused commitments
$0Restructured Loans and leases
$3,979Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$9,132Total interest income
$2,542Total interest expense
$6,590Net interest income
$185Provision for loan and lease losses
$1,002Total noninterest income
$0Fiduciary activities
$484Service charges on deposit accounts
$0Trading account gains & fees
$518Additional noninterest income
$4,074Total noninterest expense
$1,367Salaries and employee benefits
$359Premises and equipment expense
$2,348Additional noninterest expense
$3,333Pre-tax net operating income
$11Securities gains (losses)
$1,104Applicable income taxes
$2,240Income before extraordinary items
$0Extraordinary gains - net
$2,240Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$252Sale, conversion, retirement of capital stock, net
$1,150Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.54%Yield on earning assets
1.26%Cost of funding earning assets
3.27%Net interest margin
0.50%Noninterest income to earning assets
2.02%Noninterest expense to earning assets
1.07%Net operating income to assets
1.07%Return on assets (ROA)
1.60%Pretax return on assets
14.02%Return on equity (ROE)
6.82%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
73.41%Credit loss provision to net charge-offs
13.96%Efficiency ratio
53,662Assets per employee
10.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.34%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
610.80%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.18%Net loans and leases to deposits
92.61%Net loans and leases to core deposits
100.58%Equity capital to assets
7.87%Core capital (leverage) ratio
7.73%Tier 1 risk-based capital ratio
9.91%Total risk-based capital ratio
Memoranda
$12Average assets
$208,622Average earning assets
$15,974Average equity
$201,222Average loans
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