Call reports 2004
HARRIS BANK WOODSTOCK — 2004
What HARRIS BANK WOODSTOCK 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 | 274,502,000 | 270,307,000 | 271,367,000 | 277,253,000 |
| Total loans | 205,740,000 | 205,510,000 | 206,258,000 | 206,799,000 |
| Allowance for loan losses | 2,254,000 | 2,244,000 | 2,224,000 | 2,186,000 |
| Securities available for sale | 63,303,000 | 57,647,000 | 58,519,000 | 64,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,279,000 | 224,958,000 | 227,781,000 | 236,177,000 |
| Interest-bearing deposits | 202,188,000 | 200,414,000 | 203,725,000 | 209,161,000 |
| Noninterest-bearing deposits | 24,091,000 | 24,544,000 | 24,056,000 | 27,016,000 |
| Equity capital | 20,982,000 | 20,915,000 | 21,669,000 | 21,644,000 |
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 | 2,811,000 | 5,619,000 | 8,532,000 | 11,589,000 |
| Interest expense | 791,000 | 1,536,000 | 2,355,000 | 3,300,000 |
| Net interest income | 2,020,000 | 4,083,000 | 6,177,000 | 8,289,000 |
| Noninterest income | 385,000 | 849,000 | 1,313,000 | 1,706,000 |
| Noninterest expense | 1,680,000 | 3,336,000 | 4,973,000 | 6,580,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 696,000 | 1,537,000 | 2,428,000 | 3,296,000 |
| Income tax | 216,000 | 485,000 | 769,000 | 1,046,000 |
| Net income | 480,000 | 1,052,000 | 1,659,000 | 2,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,565,000 | 20,755,000 | 21,384,000 | 21,497,000 |
| Total capital | 22,819,000 | 22,999,000 | 23,608,000 | 23,683,000 |
| Risk-weighted assets | 199,545,000 | 200,411,000 | 197,729,000 | 197,663,000 |