Call reports 2004
HERITAGE BANK OF SCHAUMBURG — 2004
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,874,000 | 105,180,000 | 104,256,000 | 104,241,000 |
| Total loans | 57,464,000 | 66,054,000 | 69,799,000 | 71,429,000 |
| Allowance for loan losses | 691,000 | 683,000 | 698,000 | 709,000 |
| Securities available for sale | 25,219,000 | 22,087,000 | 16,683,000 | 15,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,444,000 | 83,792,000 | 86,253,000 | 86,317,000 |
| Interest-bearing deposits | 69,243,000 | 68,394,000 | 69,464,000 | 71,656,000 |
| Noninterest-bearing deposits | 14,201,000 | 15,398,000 | 16,789,000 | 14,661,000 |
| Equity capital | 16,815,000 | 16,370,000 | 16,536,000 | 16,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,199,000 | 3,313,000 | 4,482,000 |
| Interest expense | 174,000 | 339,000 | 515,000 | 703,000 |
| Net interest income | 907,000 | 1,860,000 | 2,798,000 | 3,779,000 |
| Noninterest income | 139,000 | 293,000 | 438,000 | 579,000 |
| Noninterest expense | 829,000 | 1,648,000 | 2,493,000 | 3,335,000 |
| Provision for loan losses | -12,000 | -20,000 | -5,000 | 10,000 |
| Pretax income | 229,000 | 539,000 | 783,000 | 1,048,000 |
| Income tax | 66,000 | 162,000 | 235,000 | 321,000 |
| Net income | 163,000 | 377,000 | 548,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,482,000 | 7,557,000 | 7,538,000 | 7,569,000 |
| Total capital | 8,173,000 | 8,240,000 | 8,236,000 | 8,278,000 |
| Risk-weighted assets | 56,221,000 | 59,745,000 | 70,520,000 | 71,635,000 |