Call reports 2003
HARRIS BANK WOODSTOCK — 2003
What HARRIS BANK WOODSTOCK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 230,122,000 | 246,302,000 | 247,799,000 | 274,802,000 |
| Total loans | 185,314,000 | 192,843,000 | 196,082,000 | 202,249,000 |
| Allowance for loan losses | 2,082,000 | 2,153,000 | 2,271,000 | 2,242,000 |
| Securities available for sale | 39,578,000 | 47,814,000 | 43,512,000 | 67,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,024,000 | 212,060,000 | 225,669,000 | 227,237,000 |
| Interest-bearing deposits | 192,742,000 | 187,706,000 | 202,701,000 | 203,647,000 |
| Noninterest-bearing deposits | 11,282,000 | 24,354,000 | 22,968,000 | 23,590,000 |
| Equity capital | 20,575,000 | 21,024,000 | 20,613,000 | 20,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,919,000 | 5,809,000 | 8,596,000 | 11,453,000 |
| Interest expense | 827,000 | 1,614,000 | 2,360,000 | 3,150,000 |
| Net interest income | 2,092,000 | 4,195,000 | 6,236,000 | 8,303,000 |
| Noninterest income | 481,000 | 1,072,000 | 1,686,000 | 2,096,000 |
| Noninterest expense | 1,712,000 | 3,456,000 | 5,300,000 | 7,204,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 390,000 |
| Pretax income | 741,000 | 1,571,000 | 2,262,000 | 2,805,000 |
| Income tax | 235,000 | 503,000 | 717,000 | 872,000 |
| Net income | 506,000 | 1,068,000 | 1,545,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,814,000 | 20,199,000 | 20,052,000 | 20,064,000 |
| Total capital | 21,896,000 | 22,352,000 | 22,323,000 | 22,306,000 |
| Risk-weighted assets | 171,850,000 | 183,140,000 | 187,952,000 | 198,216,000 |