Call reports 2003
HARRIS BANK FRANKFORT — 2003
What HARRIS BANK FRANKFORT 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 | 270,664,000 | 278,683,000 | 281,024,000 | 305,559,000 |
| Total loans | 216,598,000 | 225,639,000 | 235,825,000 | 253,271,000 |
| Allowance for loan losses | 2,177,000 | 2,167,000 | 2,861,000 | 2,939,000 |
| Securities available for sale | 37,359,000 | 33,016,000 | 32,347,000 | 33,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,765,000 | 246,999,000 | 247,612,000 | 277,482,000 |
| Interest-bearing deposits | 235,687,000 | 215,000,000 | 214,126,000 | 240,097,000 |
| Noninterest-bearing deposits | 9,077,000 | 31,999,000 | 33,486,000 | 37,385,000 |
| Equity capital | 23,093,000 | 22,510,000 | 22,698,000 | 23,043,000 |
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 | 3,287,000 | 6,597,000 | 9,922,000 | 13,357,000 |
| Interest expense | 904,000 | 1,726,000 | 2,447,000 | 3,246,000 |
| Net interest income | 2,383,000 | 4,871,000 | 7,475,000 | 10,111,000 |
| Noninterest income | 555,000 | 1,303,000 | 2,014,000 | 2,524,000 |
| Noninterest expense | 1,839,000 | 3,617,000 | 5,710,000 | 8,025,000 |
| Provision for loan losses | 520,000 | 1,480,000 | 2,208,000 | 2,393,000 |
| Pretax income | 579,000 | 1,114,000 | 1,608,000 | 2,254,000 |
| Income tax | 188,000 | 359,000 | 515,000 | 732,000 |
| Net income | 391,000 | 755,000 | 1,093,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,211,000 | 19,576,000 | 19,918,000 | 20,350,000 |
| Total capital | 23,888,000 | 24,243,000 | 25,279,000 | 27,289,000 |
| Risk-weighted assets | 208,820,000 | 220,700,000 | 228,928,000 | 246,898,000 |