Call reports 2002
HARRIS BANK ROUND LAKE — 2002
What HARRIS BANK ROUND LAKE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 146,645,000 | 158,552,000 | 165,263,000 | 156,743,000 |
| Total loans | 96,987,000 | 102,724,000 | 110,701,000 | 113,956,000 |
| Allowance for loan losses | 942,000 | 995,000 | 1,075,000 | 1,140,000 |
| Securities available for sale | 31,910,000 | 31,966,000 | 30,140,000 | 27,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,298,000 | 141,901,000 | 144,941,000 | 136,552,000 |
| Interest-bearing deposits | 112,196,000 | 122,148,000 | 121,856,000 | 116,657,000 |
| Noninterest-bearing deposits | 18,102,000 | 19,753,000 | 23,085,000 | 19,895,000 |
| Equity capital | 11,666,000 | 11,902,000 | 12,530,000 | 12,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,219,000 | 4,500,000 | 6,832,000 | 9,166,000 |
| Interest expense | 884,000 | 1,763,000 | 2,645,000 | 3,500,000 |
| Net interest income | 1,335,000 | 2,737,000 | 4,187,000 | 5,666,000 |
| Noninterest income | 239,000 | 510,000 | 890,000 | 1,252,000 |
| Noninterest expense | 908,000 | 1,861,000 | 2,837,000 | 3,885,000 |
| Provision for loan losses | 35,000 | 88,000 | 168,000 | 233,000 |
| Pretax income | 666,000 | 1,361,000 | 2,203,000 | 3,109,000 |
| Income tax | 222,000 | 452,000 | 735,000 | 1,042,000 |
| Net income | 444,000 | 909,000 | 1,468,000 | 2,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,598,000 | 11,552,000 | 11,984,000 | 12,183,000 |
| Total capital | 12,540,000 | 12,547,000 | 13,059,000 | 13,323,000 |
| Risk-weighted assets | 94,596,000 | 101,865,000 | 105,989,000 | 107,154,000 |