Call reports 2004
HARRIS BANK FRANKFORT — 2004
What HARRIS BANK FRANKFORT 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 | 313,452,000 | 327,281,000 | 332,730,000 | 336,758,000 |
| Total loans | 268,941,000 | 282,565,000 | 291,073,000 | 295,547,000 |
| Allowance for loan losses | 3,082,000 | 3,242,000 | 3,358,000 | 3,445,000 |
| Securities available for sale | 28,273,000 | 27,881,000 | 26,404,000 | 27,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,571,000 | 281,348,000 | 284,202,000 | 288,908,000 |
| Interest-bearing deposits | 243,278,000 | 241,169,000 | 246,393,000 | 250,382,000 |
| Noninterest-bearing deposits | 37,293,000 | 40,179,000 | 37,809,000 | 38,526,000 |
| Equity capital | 23,864,000 | 24,483,000 | 25,441,000 | 26,349,000 |
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 | 3,686,000 | 7,372,000 | 11,286,000 | 15,368,000 |
| Interest expense | 843,000 | 1,728,000 | 2,713,000 | 3,849,000 |
| Net interest income | 2,843,000 | 5,644,000 | 8,573,000 | 11,519,000 |
| Noninterest income | 508,000 | 1,040,000 | 1,581,000 | 2,063,000 |
| Noninterest expense | 1,876,000 | 3,750,000 | 5,711,000 | 7,447,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 678,000 |
| Pretax income | 1,295,000 | 2,574,000 | 3,903,000 | 5,457,000 |
| Income tax | 483,000 | 959,000 | 1,454,000 | 2,037,000 |
| Net income | 812,000 | 1,615,000 | 2,449,000 | 3,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,163,000 | 21,967,000 | 22,802,000 | 23,774,000 |
| Total capital | 29,245,000 | 30,209,000 | 31,160,000 | 32,219,000 |
| Risk-weighted assets | 255,881,000 | 268,271,000 | 274,283,000 | 279,070,000 |