Harris Bank Oakbrook Terrace in Oakbrook Terrace, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 27, 2005

  • Harris Bank Oakbrook Terrace in Oakbrook Terrace, Illinois (IL)
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Harris Bank Oakbrook Terrace - Overview

  • General
  • FDIC Certificate #: 20807
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 14940
    Date Established: September 25, 1972
    WWW: http://www.harrisbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14373
    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: September 25, 1972
    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: 17 W 695 Roosevelt Road, Oakbrook Terrace, IL 60181
    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: $153.1 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
  • 15Total employees (full-time equivalent)
  • $156,236Total assets
  • $3,408Cash and due from depository institutions
  • $0Interest-bearing balances
  • $17,718Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $130,342Net loans & leases
  • $1,489Loan loss allowance
  • $0Trading account assets
  • $3,485Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,283All other assets
  • $156,236Total liabilities and capital
  • $143,634Total liabilities
  • $121,655Total deposits
  • $102,591Interest-bearing deposits
  • $121,655Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,225Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $754All other liabilities
  • $12,602Total equity capital
  • $12,602Total bank equity capital
  • $12,602Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $5,661Undivided profits
  • Memoranda
  • $6,441Noncurrent loans and leases
  • $62,300Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $246Earning assets
  • $0Long-term assets (5+ years)
  • $552Average Assets, year-to-date
  • $148,060Average Assets, quarterly
  • $31,786Volatile liabilities
  • $147,992Insider loans
  • $155,404FHLB advances
  • $37,282Loans and leases held for sale
  • $1,853Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $62,300Total unused commitments
  • $0Restructured Loans and leases
  • $1,489Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $6,925Total interest income
  • $1,657Total interest expense
  • $5,268Net interest income
  • $75Provision for loan and lease losses
  • $840Total noninterest income
  • $0Fiduciary activities
  • $299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $541Additional noninterest income
  • $3,459Total noninterest expense
  • $1,281Salaries and employee benefits
  • $421Premises and equipment expense
  • $1,757Additional noninterest expense
  • $2,574Pre-tax net operating income
  • $24Securities gains (losses)
  • $896Applicable income taxes
  • $1,702Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,702Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 14.49%Return on equity (ROE)
  • 14.49%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 192.31%Credit loss provision to net charge-offs
  • 67.92%Efficiency ratio
  • 56,631Assets per employee
  • 10.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 605.28%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 107.14%Net loans and leases to core deposits
  • 123.43%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 9.94%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $147,992Average earning assets
  • $11,746Average equity
  • $140,867Average loans

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