Call reports 2006
HERITAGE BANK OF SCHAUMBURG — 2006
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 99,066,000 | 98,830,000 | 95,398,000 | 96,751,000 |
| Total loans | 70,252,000 | 68,153,000 | 67,942,000 | 68,626,000 |
| Allowance for loan losses | 711,000 | 711,000 | 709,000 | 708,000 |
| Securities available for sale | 14,335,000 | 13,628,000 | 12,130,000 | 11,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,067,000 | 81,849,000 | 78,378,000 | 79,684,000 |
| Interest-bearing deposits | 67,477,000 | 67,693,000 | 65,771,000 | 64,854,000 |
| Noninterest-bearing deposits | 14,590,000 | 14,156,000 | 12,607,000 | 14,830,000 |
| Equity capital | 16,315,000 | 16,184,000 | 16,287,000 | 16,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,497,000 | 3,755,000 | 5,004,000 |
| Interest expense | 340,000 | 725,000 | 1,144,000 | 1,577,000 |
| Net interest income | 901,000 | 1,772,000 | 2,611,000 | 3,427,000 |
| Noninterest income | 102,000 | 212,000 | 321,000 | 442,000 |
| Noninterest expense | 735,000 | 1,490,000 | 2,249,000 | 3,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 268,000 | 494,000 | 692,000 | 869,000 |
| Income tax | 0 | 2,000 | 7,000 | 9,000 |
| Net income | 268,000 | 492,000 | 685,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,857,000 | 7,836,000 | 7,825,000 | 7,823,000 |
| Total capital | 8,571,000 | 8,550,000 | 8,537,000 | 8,534,000 |
| Risk-weighted assets | 76,955,000 | 71,942,000 | 72,949,000 | 68,955,000 |