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

This bank is inactive as of May 27, 2005

  • Harris Bank Woodstock in Woodstock, Illinois (IL)
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Harris Bank Woodstock - Overview

  • General
  • FDIC Certificate #: 1785
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BMO Harris Bank National Association (#16571)
    Federal Reserve ID: 287445
    Date Established: November 29, 1889
    WWW: http://www.harrisbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 1182
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: 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
  • Location
  • Address: 101 South Benton Street, Woodstock, IL 60098
    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 Summary
  • Total assets: $278.2 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
  • 39Total employees (full-time equivalent)
  • $277,253Total assets
  • $3,394Cash and due from depository institutions
  • $0Interest-bearing balances
  • $64,079Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $204,613Net loans & leases
  • $2,186Loan loss allowance
  • $0Trading account assets
  • $2,792Bank premises and fixed assets
  • $170Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,205All other assets
  • $277,253Total liabilities and capital
  • $255,609Total liabilities
  • $236,177Total deposits
  • $209,161Interest-bearing deposits
  • $236,177Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $17,525Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,907All other liabilities
  • $21,644Total equity capital
  • $21,644Total bank equity capital
  • $21,644Perpetual preferred stock
  • $0Common stock
  • $1,300Surplus
  • $6,958Undivided profits
  • Memoranda
  • $13,386Noncurrent loans and leases
  • $83,034Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $594Earning assets
  • $0Long-term assets (5+ years)
  • $1,314Average Assets, year-to-date
  • $268,692Average Assets, quarterly
  • $32,056Volatile liabilities
  • $273,646Insider loans
  • $274,310FHLB advances
  • $52,568Loans and leases held for sale
  • $3,897Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $83,034Total unused commitments
  • $0Restructured Loans and leases
  • $2,186Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $11,589Total interest income
  • $3,300Total interest expense
  • $8,289Net interest income
  • $120Provision for loan and lease losses
  • $1,706Total noninterest income
  • $0Fiduciary activities
  • $708Service charges on deposit accounts
  • $0Trading account gains & fees
  • $998Additional noninterest income
  • $6,580Total noninterest expense
  • $2,606Salaries and employee benefits
  • $579Premises and equipment expense
  • $3,395Additional noninterest expense
  • $3,295Pre-tax net operating income
  • $1Securities gains (losses)
  • $1,046Applicable income taxes
  • $2,250Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,250Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 10.64%Return on equity (ROE)
  • 5.91%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 68.18%Credit loss provision to net charge-offs
  • 19.40%Efficiency ratio
  • 65,103Assets per employee
  • 7.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.44%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 368.01%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 86.64%Net loans and leases to core deposits
  • 101.73%Equity capital to assets
  • 7.81%Core capital (leverage) ratio
  • 7.90%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $273,646Average earning assets
  • $21,145Average equity
  • $265,262Average loans

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