Call reports 2010
HERITAGE BANK OF SCHAUMBURG — 2010
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,561,000 | 120,647,000 | 120,727,000 | 120,590,000 |
| Total loans | 83,484,000 | 79,917,000 | 81,397,000 | 79,464,000 |
| Allowance for loan losses | 898,000 | 960,000 | 880,000 | 667,000 |
| Securities available for sale | 2,197,000 | 3,248,000 | 2,257,000 | 2,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,947,000 | 102,848,000 | 102,915,000 | 102,748,000 |
| Interest-bearing deposits | 88,238,000 | 89,854,000 | 88,863,000 | 89,085,000 |
| Noninterest-bearing deposits | 12,709,000 | 12,994,000 | 14,052,000 | 13,663,000 |
| Equity capital | 17,205,000 | 17,309,000 | 17,314,000 | 17,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,581,000 | 3,849,000 | 5,077,000 |
| Interest expense | 233,000 | 455,000 | 643,000 | 810,000 |
| Net interest income | 1,062,000 | 2,126,000 | 3,206,000 | 4,267,000 |
| Noninterest income | 93,000 | 191,000 | 301,000 | 443,000 |
| Noninterest expense | 797,000 | 1,591,000 | 2,350,000 | 3,118,000 |
| Provision for loan losses | 60,000 | 120,000 | 370,000 | 510,000 |
| Pretax income | 298,000 | 606,000 | 787,000 | 1,082,000 |
| Income tax | 4,000 | 7,000 | 7,000 | 7,000 |
| Net income | 294,000 | 599,000 | 780,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,895,000 | 9,025,000 | 9,027,000 | 9,162,000 |
| Total capital | 9,796,000 | 9,988,000 | 9,910,000 | 9,832,000 |
| Risk-weighted assets | 85,137,000 | 83,232,000 | 83,003,000 | 80,918,000 |