Call reports 2003
HERITAGE BANK OF SCHAUMBURG — 2003
What HERITAGE BANK OF SCHAUMBURG 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 | 100,738,000 | 100,933,000 | 101,934,000 | 101,392,000 |
| Total loans | 60,386,000 | 62,256,000 | 60,804,000 | 56,921,000 |
| Allowance for loan losses | 615,000 | 621,000 | 703,000 | 703,000 |
| Securities available for sale | 14,525,000 | 13,803,000 | 21,445,000 | 24,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,337,000 | 82,439,000 | 83,547,000 | 83,058,000 |
| Interest-bearing deposits | 67,522,000 | 66,463,000 | 68,830,000 | 69,159,000 |
| Noninterest-bearing deposits | 14,815,000 | 15,976,000 | 14,717,000 | 13,899,000 |
| Equity capital | 16,621,000 | 16,755,000 | 16,688,000 | 16,652,000 |
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 | 1,265,000 | 2,473,000 | 3,640,000 | 4,770,000 |
| Interest expense | 251,000 | 475,000 | 679,000 | 868,000 |
| Net interest income | 1,014,000 | 1,998,000 | 2,961,000 | 3,902,000 |
| Noninterest income | 293,000 | 555,000 | 787,000 | 967,000 |
| Noninterest expense | 947,000 | 1,862,000 | 2,707,000 | 3,544,000 |
| Provision for loan losses | 12,000 | 20,000 | 12,000 | 12,000 |
| Pretax income | 350,000 | 673,000 | 1,031,000 | 1,315,000 |
| Income tax | 118,000 | 224,000 | 343,000 | 432,000 |
| Net income | 232,000 | 449,000 | 688,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,445,000 | 7,460,000 | 7,500,000 | 7,478,000 |
| Total capital | 8,060,000 | 8,081,000 | 8,203,000 | 8,167,000 |
| Risk-weighted assets | 58,860,000 | 58,143,000 | 57,047,000 | 55,080,000 |