Call reports 2004
HARRIS BANK NAPERVILLE — 2004
What HARRIS BANK NAPERVILLE 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 | 828,578,000 | 818,943,000 | 826,836,000 | 814,259,000 |
| Total loans | 643,020,000 | 666,717,000 | 675,592,000 | 683,471,000 |
| Allowance for loan losses | 6,656,000 | 6,943,000 | 7,164,000 | 7,291,000 |
| Securities available for sale | 125,496,000 | 111,772,000 | 109,928,000 | 98,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 754,026,000 | 744,638,000 | 750,841,000 | 728,035,000 |
| Interest-bearing deposits | 654,629,000 | 640,351,000 | 648,128,000 | 618,648,000 |
| Noninterest-bearing deposits | 99,397,000 | 104,287,000 | 102,714,000 | 109,387,000 |
| Equity capital | 61,876,000 | 62,485,000 | 63,859,000 | 63,288,000 |
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 | 8,341,000 | 16,546,000 | 25,193,000 | 34,220,000 |
| Interest expense | 2,104,000 | 4,173,000 | 6,396,000 | 8,926,000 |
| Net interest income | 6,237,000 | 12,373,000 | 18,797,000 | 25,294,000 |
| Noninterest income | 976,000 | 2,086,000 | 3,353,000 | 4,405,000 |
| Noninterest expense | 4,279,000 | 8,259,000 | 12,313,000 | 16,229,000 |
| Provision for loan losses | 535,000 | 850,000 | 1,135,000 | 1,420,000 |
| Pretax income | 2,399,000 | 5,350,000 | 8,703,000 | 12,051,000 |
| Income tax | 785,000 | 1,800,000 | 2,984,000 | 4,170,000 |
| Net income | 1,614,000 | 3,550,000 | 5,719,000 | 7,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,735,000 | 61,893,000 | 63,083,000 | 62,767,000 |
| Total capital | 75,391,000 | 76,836,000 | 78,247,000 | 78,058,000 |
| Risk-weighted assets | 658,330,000 | 671,701,000 | 668,700,000 | 670,811,000 |