Call reports 2005
HERITAGE BANK OF SCHAUMBURG — 2005
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,797,000 | 104,759,000 | 104,683,000 | 104,128,000 |
| Total loans | 70,980,000 | 73,097,000 | 75,357,000 | 70,078,000 |
| Allowance for loan losses | 714,000 | 714,000 | 714,000 | 711,000 |
| Securities available for sale | 16,307,000 | 15,851,000 | 14,701,000 | 12,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,053,000 | 86,773,000 | 84,018,000 | 86,568,000 |
| Interest-bearing deposits | 70,775,000 | 71,021,000 | 69,445,000 | 70,600,000 |
| Noninterest-bearing deposits | 14,278,000 | 15,752,000 | 14,573,000 | 15,968,000 |
| Equity capital | 16,317,000 | 16,475,000 | 16,419,000 | 16,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,435,000 | 3,708,000 | 4,901,000 |
| Interest expense | 221,000 | 463,000 | 734,000 | 1,065,000 |
| Net interest income | 968,000 | 1,972,000 | 2,974,000 | 3,836,000 |
| Noninterest income | 120,000 | 257,000 | 394,000 | 511,000 |
| Noninterest expense | 834,000 | 1,607,000 | 2,358,000 | 3,244,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 249,000 | 617,000 | 1,005,000 | 1,043,000 |
| Income tax | 80,000 | 206,000 | 358,000 | -515,000 |
| Net income | 169,000 | 411,000 | 647,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,586,000 | 7,687,000 | 7,698,000 | 8,300,000 |
| Total capital | 8,300,000 | 8,401,000 | 8,412,000 | 9,014,000 |
| Risk-weighted assets | 70,796,000 | 72,608,000 | 74,827,000 | 71,272,000 |