Call reports 2001
HERITAGE BANK OF SCHAUMBURG — 2001
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 101,695,000 | 99,756,000 | 95,190,000 | 92,813,000 |
| Total loans | 83,272,000 | 83,936,000 | 80,528,000 | 77,861,000 |
| Allowance for loan losses | 674,000 | 669,000 | 687,000 | 695,000 |
| Securities available for sale | 10,640,000 | 10,338,000 | 10,216,000 | 9,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,002,000 | 87,058,000 | 87,323,000 | 84,721,000 |
| Interest-bearing deposits | 76,889,000 | 72,382,000 | 72,371,000 | 70,846,000 |
| Noninterest-bearing deposits | 14,113,000 | 14,676,000 | 14,952,000 | 13,875,000 |
| Equity capital | 6,936,000 | 6,544,000 | 6,885,000 | 7,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,009,000 | 5,889,000 | 7,661,000 |
| Interest expense | 906,000 | 1,682,000 | 2,352,000 | 2,866,000 |
| Net interest income | 1,159,000 | 2,327,000 | 3,537,000 | 4,795,000 |
| Noninterest income | 218,000 | 444,000 | 648,000 | 917,000 |
| Noninterest expense | 814,000 | 1,612,000 | 2,412,000 | 3,232,000 |
| Provision for loan losses | 75,000 | 150,000 | 180,000 | 210,000 |
| Pretax income | 488,000 | 1,009,000 | 1,593,000 | 2,270,000 |
| Income tax | 0 | 0 | 1,000 | 11,000 |
| Net income | 488,000 | 1,009,000 | 1,592,000 | 2,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,902,000 | 6,565,000 | 6,716,000 | 7,143,000 |
| Total capital | 7,576,000 | 7,234,000 | 7,403,000 | 7,838,000 |
| Risk-weighted assets | 74,689,000 | 75,674,000 | 72,739,000 | 69,250,000 |