Call reports 2004
HARRIS BANK AURORA, NATIONAL ASSOCIATION — 2004
What HARRIS BANK AURORA, NATIONAL ASSOCIATION 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 | 190,261,000 | 204,287,000 | 203,112,000 | 198,955,000 |
| Total loans | 156,723,000 | 169,263,000 | 171,225,000 | 173,572,000 |
| Allowance for loan losses | 1,607,000 | 1,670,000 | 1,761,000 | 1,838,000 |
| Securities available for sale | 17,961,000 | 18,226,000 | 17,005,000 | 14,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,109,000 | 183,545,000 | 168,819,000 | 158,296,000 |
| Interest-bearing deposits | 147,366,000 | 158,941,000 | 142,060,000 | 134,582,000 |
| Noninterest-bearing deposits | 22,743,000 | 24,605,000 | 26,759,000 | 23,715,000 |
| Equity capital | 13,289,000 | 13,346,000 | 13,576,000 | 13,804,000 |
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 | 1,986,000 | 4,001,000 | 6,136,000 | 8,385,000 |
| Interest expense | 676,000 | 1,315,000 | 1,978,000 | 2,728,000 |
| Net interest income | 1,310,000 | 2,686,000 | 4,158,000 | 5,657,000 |
| Noninterest income | 404,000 | 829,000 | 1,304,000 | 1,747,000 |
| Noninterest expense | 1,468,000 | 2,996,000 | 4,515,000 | 5,946,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 126,000 | 279,000 | 587,000 | 978,000 |
| Income tax | 30,000 | 71,000 | 173,000 | 310,000 |
| Net income | 96,000 | 208,000 | 414,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,157,000 | 13,282,000 | 13,489,000 | 13,745,000 |
| Total capital | 17,264,000 | 17,452,000 | 17,750,000 | 18,083,000 |
| Risk-weighted assets | 145,670,000 | 155,940,000 | 155,724,000 | 155,759,000 |