Call reports 2003
HARRIS BANK WINNETKA, NATIONAL ASSOCIATION — 2003
What HARRIS BANK WINNETKA, NATIONAL ASSOCIATION 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 | 476,356,000 | 492,697,000 | 463,248,000 | 472,925,000 |
| Total loans | 361,796,000 | 381,594,000 | 374,805,000 | 380,847,000 |
| Allowance for loan losses | 3,613,000 | 3,794,000 | 4,072,000 | 4,185,000 |
| Securities available for sale | 95,637,000 | 97,244,000 | 75,391,000 | 79,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,190,000 | 421,707,000 | 390,348,000 | 387,384,000 |
| Interest-bearing deposits | 374,845,000 | 364,512,000 | 338,129,000 | 334,110,000 |
| Noninterest-bearing deposits | 24,344,000 | 57,195,000 | 52,219,000 | 53,274,000 |
| Equity capital | 35,183,000 | 35,890,000 | 36,670,000 | 35,252,000 |
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 | 5,365,000 | 10,849,000 | 16,060,000 | 21,189,000 |
| Interest expense | 1,729,000 | 3,375,000 | 4,695,000 | 5,784,000 |
| Net interest income | 3,636,000 | 7,474,000 | 11,365,000 | 15,405,000 |
| Noninterest income | 542,000 | 1,246,000 | 1,808,000 | 2,157,000 |
| Noninterest expense | 2,516,000 | 5,049,000 | 7,631,000 | 10,024,000 |
| Provision for loan losses | 150,000 | 350,000 | 650,000 | 800,000 |
| Pretax income | 1,518,000 | 3,327,000 | 4,898,000 | 6,746,000 |
| Income tax | 540,000 | 1,199,000 | 1,758,000 | 2,452,000 |
| Net income | 978,000 | 2,128,000 | 3,140,000 | 4,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,394,000 | 35,138,000 | 36,178,000 | 34,861,000 |
| Total capital | 40,007,000 | 42,432,000 | 43,750,000 | 42,546,000 |
| Risk-weighted assets | 357,725,000 | 373,845,000 | 370,550,000 | 375,205,000 |