Call reports 2009
HERITAGE BANK OF SCHAUMBURG — 2009
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,881,000 | 117,616,000 | 115,335,000 | 116,335,000 |
| Total loans | 80,915,000 | 80,315,000 | 82,783,000 | 84,487,000 |
| Allowance for loan losses | 734,000 | 749,000 | 794,000 | 858,000 |
| Securities available for sale | 2,969,000 | 2,961,000 | 2,945,000 | 2,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,369,000 | 100,006,000 | 97,615,000 | 98,662,000 |
| Interest-bearing deposits | 92,045,000 | 86,821,000 | 85,699,000 | 85,548,000 |
| Noninterest-bearing deposits | 12,324,000 | 13,185,000 | 11,916,000 | 13,114,000 |
| Equity capital | 16,904,000 | 16,925,000 | 17,057,000 | 17,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,750,000 | 4,092,000 | 5,436,000 |
| Interest expense | 418,000 | 782,000 | 1,079,000 | 1,336,000 |
| Net interest income | 1,005,000 | 1,968,000 | 3,013,000 | 4,100,000 |
| Noninterest income | 100,000 | 219,000 | 314,000 | 404,000 |
| Noninterest expense | 786,000 | 1,628,000 | 2,425,000 | 3,241,000 |
| Provision for loan losses | 15,000 | 30,000 | 75,000 | 175,000 |
| Pretax income | 304,000 | 529,000 | 827,000 | 1,088,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 15,000 |
| Net income | 300,000 | 522,000 | 816,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,496,000 | 8,531,000 | 8,685,000 | 8,835,000 |
| Total capital | 9,233,000 | 9,283,000 | 9,482,000 | 9,696,000 |
| Risk-weighted assets | 81,586,000 | 81,302,000 | 80,631,000 | 85,809,000 |