Call reports 2004
HARRIS BANK OAKBROOK TERRACE — 2004
What HARRIS BANK OAKBROOK TERRACE 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 | 140,433,000 | 146,609,000 | 154,571,000 | 156,236,000 |
| Total loans | 112,502,000 | 118,993,000 | 127,160,000 | 131,831,000 |
| Allowance for loan losses | 1,536,000 | 1,509,000 | 1,488,000 | 1,489,000 |
| Securities available for sale | 24,118,000 | 23,942,000 | 17,922,000 | 17,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,325,000 | 119,531,000 | 122,095,000 | 121,655,000 |
| Interest-bearing deposits | 102,914,000 | 102,553,000 | 104,880,000 | 102,591,000 |
| Noninterest-bearing deposits | 14,411,000 | 16,978,000 | 17,215,000 | 19,064,000 |
| Equity capital | 11,343,000 | 11,676,000 | 12,196,000 | 12,602,000 |
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 | 1,696,000 | 3,295,000 | 5,052,000 | 6,925,000 |
| Interest expense | 365,000 | 715,000 | 1,128,000 | 1,657,000 |
| Net interest income | 1,331,000 | 2,580,000 | 3,924,000 | 5,268,000 |
| Noninterest income | 191,000 | 391,000 | 620,000 | 840,000 |
| Noninterest expense | 896,000 | 1,761,000 | 2,663,000 | 3,459,000 |
| Provision for loan losses | 60,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 566,000 | 1,135,000 | 1,830,000 | 2,598,000 |
| Income tax | 194,000 | 387,000 | 628,000 | 896,000 |
| Net income | 372,000 | 748,000 | 1,202,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,088,000 | 11,607,000 | 12,063,000 | 12,566,000 |
| Total capital | 12,412,000 | 13,012,000 | 13,551,000 | 14,055,000 |
| Risk-weighted assets | 105,718,000 | 112,270,000 | 122,224,000 | 126,447,000 |