Call reports 2008
HERITAGE BANK OF SCHAUMBURG — 2008
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 109,251,000 | 109,307,000 | 116,684,000 | 113,167,000 |
| Total loans | 79,940,000 | 83,629,000 | 84,463,000 | 84,180,000 |
| Allowance for loan losses | 709,000 | 709,000 | 704,000 | 719,000 |
| Securities available for sale | 8,253,000 | 7,649,000 | 6,000,000 | 5,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,970,000 | 91,993,000 | 99,382,000 | 95,591,000 |
| Interest-bearing deposits | 74,110,000 | 78,210,000 | 85,175,000 | 83,502,000 |
| Noninterest-bearing deposits | 15,860,000 | 13,783,000 | 14,207,000 | 12,089,000 |
| Equity capital | 16,560,000 | 16,545,000 | 16,560,000 | 16,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,814,000 | 4,243,000 | 5,662,000 |
| Interest expense | 506,000 | 945,000 | 1,385,000 | 1,819,000 |
| Net interest income | 905,000 | 1,869,000 | 2,858,000 | 3,843,000 |
| Noninterest income | 94,000 | 192,000 | 281,000 | 380,000 |
| Noninterest expense | 774,000 | 1,559,000 | 2,323,000 | 3,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 225,000 | 502,000 | 816,000 | 1,134,000 |
| Income tax | 3,000 | 7,000 | 13,000 | 18,000 |
| Net income | 222,000 | 495,000 | 803,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,983,000 | 8,060,000 | 8,116,000 | 8,450,000 |
| Total capital | 8,695,000 | 8,772,000 | 8,823,000 | 9,172,000 |
| Risk-weighted assets | 80,180,000 | 81,372,000 | 82,733,000 | 83,413,000 |