Call reports 2002
HARRIS TRUST/BANK OF MONTREAL — 2002
What HARRIS TRUST/BANK OF MONTREAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 124,039,000 | 138,276,000 | 133,994,000 | 129,695,000 |
| Total loans | 93,509,000 | 90,656,000 | 85,567,000 | 85,362,000 |
| Allowance for loan losses | 2,385,000 | 2,295,000 | 2,196,000 | 2,081,000 |
| Securities available for sale | 8,304,000 | 19,185,000 | 20,044,000 | 17,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,204,000 | 112,484,000 | 108,735,000 | 105,107,000 |
| Interest-bearing deposits | 95,664,000 | 109,870,000 | 106,173,000 | 102,168,000 |
| Noninterest-bearing deposits | 2,540,000 | 2,614,000 | 2,562,000 | 2,939,000 |
| Equity capital | 21,950,000 | 21,586,000 | 21,038,000 | 20,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,396,000 | 4,951,000 | 6,426,000 |
| Interest expense | 675,000 | 1,302,000 | 1,906,000 | 2,446,000 |
| Net interest income | 1,003,000 | 2,094,000 | 3,045,000 | 3,980,000 |
| Noninterest income | 1,516,000 | 2,978,000 | 4,309,000 | 5,777,000 |
| Noninterest expense | 3,642,000 | 6,864,000 | 10,001,000 | 13,027,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 160,000 |
| Pretax income | -1,173,000 | -1,892,000 | -2,797,000 | -3,430,000 |
| Income tax | -402,000 | -650,000 | -962,000 | -1,179,000 |
| Net income | -771,000 | -1,242,000 | -1,835,000 | -2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,175,000 | 11,785,000 | 11,220,000 | 10,833,000 |
| Total capital | 15,243,000 | 14,841,000 | 14,202,000 | 13,817,000 |
| Risk-weighted assets | 84,151,000 | 83,250,000 | 77,351,000 | 77,625,000 |