Call reports 2003
HARRIS BANK ROUND LAKE — 2003
What HARRIS BANK ROUND LAKE 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 | 159,438,000 | 171,362,000 | 169,760,000 | 166,003,000 |
| Total loans | 114,338,000 | 124,641,000 | 126,090,000 | 132,841,000 |
| Allowance for loan losses | 1,139,000 | 1,196,000 | 1,226,000 | 1,226,000 |
| Securities available for sale | 27,245,000 | 26,820,000 | 24,195,000 | 21,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,559,000 | 148,000,000 | 146,292,000 | 141,800,000 |
| Interest-bearing deposits | 118,392,000 | 125,690,000 | 122,704,000 | 119,480,000 |
| Noninterest-bearing deposits | 20,167,000 | 22,310,000 | 23,587,000 | 22,320,000 |
| Equity capital | 13,400,000 | 13,910,000 | 14,026,000 | 14,682,000 |
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 | 2,178,000 | 4,418,000 | 6,658,000 | 8,886,000 |
| Interest expense | 760,000 | 1,503,000 | 2,207,000 | 2,863,000 |
| Net interest income | 1,418,000 | 2,915,000 | 4,451,000 | 6,023,000 |
| Noninterest income | 365,000 | 818,000 | 1,247,000 | 1,581,000 |
| Noninterest expense | 975,000 | 1,996,000 | 3,054,000 | 4,236,000 |
| Provision for loan losses | 0 | 57,000 | 87,000 | 87,000 |
| Pretax income | 808,000 | 1,680,000 | 2,557,000 | 3,281,000 |
| Income tax | 236,000 | 248,000 | 260,000 | 221,000 |
| Net income | 572,000 | 1,432,000 | 2,297,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,755,000 | 13,031,000 | 13,536,000 | 14,160,000 |
| Total capital | 13,894,000 | 14,227,000 | 14,762,000 | 15,386,000 |
| Risk-weighted assets | 109,215,000 | 119,956,000 | 120,038,000 | 124,423,000 |