Harris Central National Association in Roselle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Harris Central National Association - Overview

  • General
  • FDIC Certificate #: 58216
    Status: Active
    Federal Reserve ID: 3353154
    Bank Holding Company (Regulatory Top Holder): Bank Of Montreal (RSSDID: 1231333, Location: Montreal)
    Date Established: May 28, 2005
    WWW: http://www.4.harrisbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 442541
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 28, 2005
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 East Irving Park Road, Roselle, IL 60172
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $4.6 mil
    Equity capital: $4.1 mil
    Deposits held in domestic offices: $0.5 mil
    Return on assets (ROA): 0.68% ($0.0 mil)
    Quarterly return on assets: 1.22% ($0.1 mil)
    Return on Equity (ROE): 0.76% ($0.0 mil)
    Quarterly return on equity: 1.37% ($0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.16% ($53.2 mil)
    Quarterly Pretax return on assets: 2.10% ($96.3 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $4,588Total assets
  • $4,480Cash and due from depository institutions
  • $0Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $4,588Life insurance assets
  • $108All other assets
  • $506Total liabilities and capital
  • $500Total liabilities
  • $0Total deposits
  • $500Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6Subordinated debt
  • $4,082All other liabilities
  • $4,082Total equity capital
  • $4,082Total bank equity capital
  • $0Perpetual preferred stock
  • $1,301Common stock
  • $2,199Surplus
  • $582Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $4,568Volatile liabilities
  • $4,578Insider loans
  • $896FHLB advances
  • $4,578Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,082Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8Total interest income
  • $0Total interest expense
  • $8Net interest income
  • $0Provision for loan and lease losses
  • $0Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • -$45Total noninterest expense
  • $0Salaries and employee benefits
  • $0Premises and equipment expense
  • -$45Additional noninterest expense
  • $53Pre-tax net operating income
  • $0Securities gains (losses)
  • $22Applicable income taxes
  • $31Income before extraordinary items
  • $0Extraordinary gains - net
  • $31Net income attributable to bank
  • $0Net charge-offs
  • $31Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.33%Yield on earning assets
  • 0.00%Cost of funding earning assets
  • 0.33%Net interest margin
  • 0.00%Noninterest income to earning assets
  • -1.88%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 0.76%Return on equity (ROE)
  • 0.76%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • -562,500Assets per employee
  • 0.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 88.97%Core capital (leverage) ratio
  • 89.17%Tier 1 risk-based capital ratio
  • 455.58%Total risk-based capital ratio
  • Memoranda
  • $456Average assets
  • $4,568Average earning assets
  • $4,064Average equity
  • $2,400Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0442541Harris Central National Association110 East Irving Park Road, Roselle, IL 60172May 28, 2005Full Service Brick and Mortar

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