Call reports 2003
HARRIS BANK NAPERVILLE — 2003
What HARRIS BANK NAPERVILLE 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 | 759,842,000 | 786,644,000 | 788,460,000 | 821,944,000 |
| Total loans | 547,832,000 | 564,624,000 | 569,189,000 | 636,006,000 |
| Allowance for loan losses | 5,864,000 | 6,118,000 | 6,368,000 | 6,514,000 |
| Securities available for sale | 170,278,000 | 176,009,000 | 158,244,000 | 143,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 681,990,000 | 684,155,000 | 702,150,000 | 744,027,000 |
| Interest-bearing deposits | 644,079,000 | 587,387,000 | 604,319,000 | 634,850,000 |
| Noninterest-bearing deposits | 37,912,000 | 96,769,000 | 97,831,000 | 109,177,000 |
| Equity capital | 59,441,000 | 59,185,000 | 59,125,000 | 60,372,000 |
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 | 8,731,000 | 17,594,000 | 25,953,000 | 34,458,000 |
| Interest expense | 2,473,000 | 4,749,000 | 6,718,000 | 8,827,000 |
| Net interest income | 6,261,000 | 12,845,000 | 19,235,000 | 25,631,000 |
| Noninterest income | 1,183,000 | 2,590,000 | 3,935,000 | 5,087,000 |
| Noninterest expense | 4,146,000 | 8,333,000 | 12,831,000 | 17,724,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,275,000 |
| Pretax income | 3,002,000 | 6,479,000 | 9,386,000 | 11,815,000 |
| Income tax | 980,000 | 2,154,000 | 3,100,000 | 3,865,000 |
| Net income | 2,022,000 | 4,325,000 | 6,286,000 | 7,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,900,000 | 56,827,000 | 57,408,000 | 59,098,000 |
| Total capital | 64,264,000 | 67,945,000 | 68,776,000 | 71,612,000 |
| Risk-weighted assets | 564,319,000 | 588,031,000 | 593,198,000 | 648,932,000 |