Harris Bank Huntley in Huntley, Illinois (IL)



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Harris Bank Huntley
GeneralFDIC Certificate #: 1783
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BMO Harris Bank National Association (#16571)
Federal Reserve ID: 569730
Date Established: January 01, 1913
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 #: 1180
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: 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
LocationAddress: 10604 Vine Street, Huntley, IL 60142
County: Mchenry
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 SummaryTotal assets: $173.4 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)
Total employees (full-time equivalent)25
Total assets$172,848
Cash and due from depository institutions$4,329
Interest-bearing balances$0
Securities$23,960
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$139,548
Loan loss allowance $1,324
Trading account assets$0
Bank premises and fixed assets$3,830
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,181
Life insurance assets$0
Total liabilities and capital$172,848
Total liabilities$161,385
Total deposits$133,680
Interest-bearing deposits$123,065
Deposits held in domestic offices$133,680
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $25,600
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,000
All other liabilities $1,105
Total equity capital$11,463
Total bank equity capital$11,463
Perpetual preferred stock$11,463
Common stock$0
Surplus$500
Undivided profits $5,238
Memoranda
Noncurrent loans and leases $5,725
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $57,647
Income earned, not collected on loans $0
Earning assets $92
Long-term assets (5+ years) $0
Average Assets, year-to-date $699
Average Assets, quarterly $163,508
Volatile liabilities $16,264
Insider loans $152,215
FHLB advances $165,899
Loans and leases held for sale $41,293
Unused loan commitments $60
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $57,647
Restructured Loans and leases $0
Derivatives$2,324
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Income and Expense (December 31, 2004)
(Dollar figures in thousands)
Total interest income $6,492
Total interest expense $2,165
Net interest income $4,327
Provision for loan and lease losses $270
Total noninterest income $1,338
Fiduciary activities $0
Service charges on deposit accounts $330
Trading account gains & fees $0
Additional noninterest income $1,008
Total noninterest expense $4,008
Salaries and employee benefits $1,569
Premises and equipment expense $382
Additional noninterest expense $2,057
Pre-tax net operating income $1,387
Securities gains (losses) $0
Applicable income taxes $444
Income before extraordinary items $943
Extraordinary gains - net $0
Net income attributable to bank $943
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $52
Net operating income $0
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Performance and Condition Ratios (December 31, 2004)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.54%
Cost of funding earning assets 1.51%
Net interest margin 3.02%
Noninterest income to earning assets 0.94%
Noninterest expense to earning assets 2.80%
Net operating income to assets 0.62%
Return on assets (ROA) 0.62%
Pretax return on assets 0.91%
Return on equity (ROE) 9.24%
Retained earnings to average equity (YTD only) 9.24%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 519.23%
Efficiency ratio31.87%
Assets per employee$70,750
Cash dividends to net income (YTD only)6.91%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.94%
Noncurrent assets plus other real estate owned to assets 1439.13%
Noncurrent loans to loans 0.05%
Net loans and leases to deposits0.07%
Net loans and leases to core deposits 104.39%
Equity capital to assets 118.27%
Core capital (leverage) ratio 6.63%
Tier 1 risk-based capital ratio 6.83%
Total risk-based capital ratio 8.77%
Memoranda
Average assets$11
Average earning assets$152,215
Average equity $10,210
Average loans $143,044
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