Call reports 2007
HERITAGE BANK OF SCHAUMBURG — 2007
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,447,000 | 97,976,000 | 103,044,000 | 106,915,000 |
| Total loans | 68,131,000 | 69,651,000 | 74,579,000 | 77,237,000 |
| Allowance for loan losses | 708,000 | 709,000 | 709,000 | 709,000 |
| Securities available for sale | 9,401,000 | 9,319,000 | 9,684,000 | 8,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,354,000 | 80,860,000 | 85,987,000 | 89,755,000 |
| Interest-bearing deposits | 65,346,000 | 65,500,000 | 72,426,000 | 75,791,000 |
| Noninterest-bearing deposits | 14,008,000 | 15,360,000 | 13,561,000 | 13,964,000 |
| Equity capital | 16,273,000 | 16,266,000 | 16,354,000 | 16,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,576,000 | 3,986,000 | 5,423,000 |
| Interest expense | 433,000 | 884,000 | 1,438,000 | 2,022,000 |
| Net interest income | 843,000 | 1,692,000 | 2,548,000 | 3,401,000 |
| Noninterest income | 98,000 | 219,000 | 335,000 | 438,000 |
| Noninterest expense | 781,000 | 1,564,000 | 2,359,000 | 3,125,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 187,000 | 374,000 | 551,000 | 741,000 |
| Income tax | 11,000 | 13,000 | 14,000 | 16,000 |
| Net income | 176,000 | 361,000 | 537,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,847,000 | 7,880,000 | 7,894,000 | 7,923,000 |
| Total capital | 8,558,000 | 8,592,000 | 8,606,000 | 8,635,000 |
| Risk-weighted assets | 69,233,000 | 69,516,000 | 75,795,000 | 77,839,000 |