BMO Harris Bank National Association

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BMO Harris Bank National Association ACH Number: 07102566

BMO Harris Bank National Association is an FDIC insured institution headquartered at 111 W Monroe St, Chicago, IL 60603.
It was founded in 1947 and has approximately $163 billion in assets. Customers can open an account at one of its 630 branches.

Deposit Rates - December 9, 2022

SAVINGS RATES APY MIN

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16571
Date Established 1947
Assets $ 163.20 billion
Loans $ 93.19 billion
Deposits $ 133.33 billion
Capital $ 15.40 billion

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 14.59 billion
Interest-bearing balances $ 13.32 billion
Total securities $ 43.52 billion
Federal funds sold and reverse repurchase $ 144.08 million
Net loans and leases $ 93.19 billion
Loan loss allowance $ 779.82 million
Trading account assets $ 427.11 million
Bank premises and fixed assets N.A.
Other real estate owned $ 5.16 million
Goodwill and other intangibles $ 3.15 billion
All other assets $ 7.02 billion
     Total Assets $ 147.80 billion

LIABILITIES
Total deposits $ 133.33 billion
      Interest-bearing deposits $ 91.76 billion
      Deposits held in domestic offices $ 133.33 billion
      % insured (estimated) 37.28%
Federal funds purchased and repurchase agreements $ 297.90 million
Trading liabilities $ 91.74 million
Other borrowed funds $ 11.31 billion
Subordinated debt $ 500.00 million
All other liabilities $ 2.27 billionn
      Total Liabilities $ 147.80 billion
      Shareholders’ Equity $ 15.40 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 2.02 billion
Total Interest Expense $ 199.72 million
Net interest income $ 1,824.85 million
Provision for loan and lease losses N.A.
Total non interest income $ 594.11 million
Total non interest expense $ 1,411.87 million
Pre-tax Net Operating Income $ 1,103.99 million

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Branches

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BMO Harris Bank National Association Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    ONLINE SAVINGS
    Bank
    -
    $50,000
    N.A.
    3.60%
    28.57x (National Avg. - 0.13%)
    $0
    -
    SCENARIO
    Year Rate
    3.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,800 1,260
    2 51,800 1,865 1,305
    3 53,665 1,932 1,352
    4 55,597 2,001 1,401
    5 57,598 2,074 1,451
    6 59,672 2,148 1,504
    7 61,820 2,226 1,558
    8 64,045 2,306 1,614
    9 66,351 2,389 1,672
    10 68,740 2,475 1,732
    11 71,214 2,564 1,795
    12 73,778 2,656 1,859
    13 76,434 2,752 1,926
    14 79,186 2,851 1,995
    15 82,036 2,953 2,067
    16 84,990 3,060 2,142
    17 88,049 3,170 2,219
    18 91,219 3,284 2,299
    19 94,503 3,402 2,381
    20 97,905 3,525 2,467
    TOTAL $51,430 $36,001
  • 2
    LOCAL SAVINGS
    Online Bank
    -
    $50,000
    N.A.
    3.00%
    23.81x (National Avg. - 0.13%)
    $0
    -
    SCENARIO
    Year Rate
    3.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 3
    LOCAL SAVINGS
    Bank
    -
    $50,000
    N.A.
    4.00%
    31.75x (National Avg. - 0.13%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689