Call reports 2011
HERITAGE BANK OF SCHAUMBURG — 2011
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,717,000 | 122,811,000 | 122,835,000 | 124,644,000 |
| Total loans | 78,472,000 | 77,587,000 | 77,568,000 | 75,264,000 |
| Allowance for loan losses | 1,040,000 | 1,044,000 | 1,020,000 | 963,000 |
| Securities available for sale | 8,294,000 | 8,438,000 | 8,546,000 | 8,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,341,000 | 105,085,000 | 104,840,000 | 106,519,000 |
| Interest-bearing deposits | 89,579,000 | 90,082,000 | 90,071,000 | 91,489,000 |
| Noninterest-bearing deposits | 13,762,000 | 15,003,000 | 14,769,000 | 15,030,000 |
| Equity capital | 17,099,000 | 17,393,000 | 17,611,000 | 17,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,411,000 | 3,607,000 | 4,759,000 |
| Interest expense | 138,000 | 261,000 | 367,000 | 466,000 |
| Net interest income | 1,074,000 | 2,150,000 | 3,240,000 | 4,293,000 |
| Noninterest income | 87,000 | 176,000 | 294,000 | 315,000 |
| Noninterest expense | 751,000 | 1,545,000 | 2,371,000 | 3,016,000 |
| Provision for loan losses | 414,000 | 474,000 | 534,000 | 574,000 |
| Pretax income | -4,000 | 307,000 | 629,000 | 1,018,000 |
| Income tax | -18,000 | -13,000 | -9,000 | -4,000 |
| Net income | 14,000 | 320,000 | 638,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,901,000 | 9,053,000 | 9,167,000 | 9,417,000 |
| Total capital | 9,855,000 | 10,018,000 | 10,071,000 | 10,344,000 |
| Risk-weighted assets | 76,239,000 | 77,126,000 | 76,944,000 | 74,155,000 |