Call reports 2002
HERITAGE BANK OF SCHAUMBURG — 2002
What HERITAGE BANK OF SCHAUMBURG 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 | 95,054,000 | 93,888,000 | 104,124,000 | 103,750,000 |
| Total loans | 70,437,000 | 65,100,000 | 64,980,000 | 62,654,000 |
| Allowance for loan losses | 710,000 | 700,000 | 699,000 | 693,000 |
| Securities available for sale | 9,338,000 | 9,316,000 | 14,514,000 | 13,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,792,000 | 87,344,000 | 85,598,000 | 85,556,000 |
| Interest-bearing deposits | 72,069,000 | 71,914,000 | 69,671,000 | 67,976,000 |
| Noninterest-bearing deposits | 14,723,000 | 15,430,000 | 15,927,000 | 17,580,000 |
| Equity capital | 7,593,000 | 5,904,000 | 16,439,000 | 16,395,000 |
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 | 1,643,000 | 3,187,000 | 1,398,000 | 2,680,000 |
| Interest expense | 393,000 | 744,000 | 320,000 | 617,000 |
| Net interest income | 1,250,000 | 2,443,000 | 1,078,000 | 2,063,000 |
| Noninterest income | 224,000 | 410,000 | 247,000 | 201,000 |
| Noninterest expense | 819,000 | 1,674,000 | 935,000 | 1,886,000 |
| Provision for loan losses | 15,000 | 32,000 | 0 | 0 |
| Pretax income | 853,000 | 1,360,000 | 390,000 | 703,000 |
| Income tax | 13,000 | 14,000 | 134,000 | 242,000 |
| Net income | 840,000 | 1,346,000 | 256,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,565,000 | 5,640,000 | 7,355,000 | 7,190,000 |
| Total capital | 8,275,000 | 6,340,000 | 8,054,000 | 7,883,000 |
| Risk-weighted assets | 65,613,000 | 61,641,000 | 62,920,000 | 60,736,000 |