Call reports 2004
HARRIS BANK ROSELLE — 2004
What HARRIS BANK ROSELLE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 540,326,000 | 538,457,000 | 541,974,000 | 545,098,000 |
| Total loans | 468,093,000 | 470,853,000 | 486,022,000 | 494,951,000 |
| Allowance for loan losses | 4,885,000 | 5,329,000 | 5,448,000 | 5,508,000 |
| Securities available for sale | 49,546,000 | 47,614,000 | 35,840,000 | 31,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,730,000 | 465,782,000 | 466,699,000 | 464,750,000 |
| Interest-bearing deposits | 377,768,000 | 377,762,000 | 370,070,000 | 366,292,000 |
| Noninterest-bearing deposits | 87,962,000 | 88,020,000 | 96,629,000 | 98,458,000 |
| Equity capital | 41,972,000 | 43,055,000 | 43,741,000 | 42,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,223,000 | 12,473,000 | 18,929,000 | 25,778,000 |
| Interest expense | 1,042,000 | 2,087,000 | 3,224,000 | 4,630,000 |
| Net interest income | 5,181,000 | 10,386,000 | 15,705,000 | 21,148,000 |
| Noninterest income | 977,000 | 2,032,000 | 3,191,000 | 4,195,000 |
| Noninterest expense | 3,528,000 | 6,991,000 | 10,372,000 | 13,404,000 |
| Provision for loan losses | 510,000 | 1,020,000 | 1,200,000 | 1,285,000 |
| Pretax income | 2,120,000 | 4,407,000 | 7,336,000 | 10,666,000 |
| Income tax | 774,000 | 1,613,000 | 2,713,000 | 3,975,000 |
| Net income | 1,346,000 | 2,794,000 | 4,623,000 | 6,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,171,000 | 42,644,000 | 43,150,000 | 42,243,000 |
| Total capital | 54,556,000 | 56,473,000 | 57,098,000 | 56,251,000 |
| Risk-weighted assets | 463,540,000 | 465,025,000 | 476,367,000 | 489,548,000 |