Call reports 2003
HARRIS BANK OAKBROOK TERRACE — 2003
What HARRIS BANK OAKBROOK TERRACE 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 | 141,903,000 | 145,418,000 | 139,074,000 | 142,113,000 |
| Total loans | 109,328,000 | 111,378,000 | 111,707,000 | 113,236,000 |
| Allowance for loan losses | 1,279,000 | 1,339,000 | 1,401,000 | 1,453,000 |
| Securities available for sale | 25,855,000 | 27,939,000 | 26,155,000 | 24,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,958,000 | 124,354,000 | 119,698,000 | 119,276,000 |
| Interest-bearing deposits | 117,610,000 | 107,811,000 | 104,026,000 | 104,330,000 |
| Noninterest-bearing deposits | 8,347,000 | 16,543,000 | 15,672,000 | 14,945,000 |
| Equity capital | 11,161,000 | 11,382,000 | 11,536,000 | 10,911,000 |
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 | 1,831,000 | 3,619,000 | 5,331,000 | 6,981,000 |
| Interest expense | 545,000 | 1,050,000 | 1,483,000 | 1,857,000 |
| Net interest income | 1,286,000 | 2,569,000 | 3,848,000 | 5,124,000 |
| Noninterest income | 219,000 | 469,000 | 805,000 | 996,000 |
| Noninterest expense | 969,000 | 1,934,000 | 2,919,000 | 3,918,000 |
| Provision for loan losses | 97,000 | 194,000 | 290,000 | 380,000 |
| Pretax income | 439,000 | 910,000 | 1,444,000 | 1,822,000 |
| Income tax | 140,000 | 287,000 | 458,000 | 571,000 |
| Net income | 299,000 | 623,000 | 986,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,692,000 | 10,820,000 | 11,241,000 | 10,713,000 |
| Total capital | 11,902,000 | 12,069,000 | 12,528,000 | 12,069,000 |
| Risk-weighted assets | 96,764,000 | 99,809,000 | 102,842,000 | 108,389,000 |