Harris Bank Wilmette, National Association - Overview
General
FDIC Certificate #: 21206 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BMO Harris Bank National Association (#16571) Federal Reserve ID: 203847 Date Established: September 01, 1973 WWW:http://www4.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: 2 (Interstate: No) FDIC's unique #: 14665 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: September 01, 1973 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: 1701 Sheridan Road, Wilmette, IL 60091 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: $139.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$139,292Total assets
$3,435Cash and due from depository institutions
$0Interest-bearing balances
$3,606Securities
$4,675Federal funds sold & reverse repurchase agreements
$124,666Net loans & leases
$1,571Loan loss allowance
$0Trading account assets
$1,544Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,366All other assets
$139,292Total liabilities and capital
$126,675Total liabilities
$123,605Total deposits
$110,940Interest-bearing deposits
$123,605Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,500Subordinated debt
$570All other liabilities
$12,617Total equity capital
$12,617Total bank equity capital
$12,617Perpetual preferred stock
$0Common stock
$300Surplus
$3,343Undivided profits
Memoranda
$8,974Noncurrent loans and leases
$60,106Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$166Earning assets
$0Long-term assets (5+ years)
$393Average Assets, year-to-date
$132,947Average Assets, quarterly
$11,851Volatile liabilities
$147,786Insider loans
$139,941FHLB advances
$12,986Loans and leases held for sale
$1,102Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$60,106Total unused commitments
$0Restructured Loans and leases
$3,969Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,213Total interest income
$1,554Total interest expense
$4,659Net interest income
$222Provision for loan and lease losses
$623Total noninterest income
$0Fiduciary activities
$160Service charges on deposit accounts
$0Trading account gains & fees
$463Additional noninterest income
$3,699Total noninterest expense
$1,630Salaries and employee benefits
$584Premises and equipment expense
$1,485Additional noninterest expense
$1,361Pre-tax net operating income
$0Securities gains (losses)
$477Applicable income taxes
$884Income before extraordinary items
$0Extraordinary gains - net
$884Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$113Sale, conversion, retirement of capital stock, net
$525Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.39%Yield on earning assets
1.10%Cost of funding earning assets
3.29%Net interest margin
0.44%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
0.60%Net operating income to assets
0.60%Return on assets (ROA)
0.92%Pretax return on assets
7.04%Return on equity (ROE)
2.86%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
196.46%Credit loss provision to net charge-offs
14.01%Efficiency ratio
70,030Assets per employee
6.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.39%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
946.39%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.13%Net loans and leases to deposits
100.86%Net loans and leases to core deposits
112.70%Equity capital to assets
9.06%Core capital (leverage) ratio
9.03%Tier 1 risk-based capital ratio
10.64%Total risk-based capital ratio
Memoranda
$14Average assets
$147,786Average earning assets
$12,549Average equity
$141,425Average loans
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