Call reports 2012
HERITAGE BANK OF SCHAUMBURG — 2012
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,319,000 | 127,795,000 | 127,897,000 | 130,691,000 |
| Total loans | 75,615,000 | 77,171,000 | 77,176,000 | 76,470,000 |
| Allowance for loan losses | 1,023,000 | 935,000 | 1,037,000 | 1,061,000 |
| Securities available for sale | 8,219,000 | 8,205,000 | 8,183,000 | 8,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,271,000 | 109,691,000 | 109,625,000 | 112,253,000 |
| Interest-bearing deposits | 93,638,000 | 92,944,000 | 92,688,000 | 94,455,000 |
| Noninterest-bearing deposits | 15,633,000 | 16,747,000 | 16,937,000 | 17,798,000 |
| Equity capital | 17,799,000 | 17,805,000 | 17,974,000 | 18,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,223,000 | 3,330,000 | 4,403,000 |
| Interest expense | 85,000 | 161,000 | 232,000 | 299,000 |
| Net interest income | 1,043,000 | 2,062,000 | 3,098,000 | 4,104,000 |
| Noninterest income | 88,000 | 188,000 | 284,000 | 394,000 |
| Noninterest expense | 724,000 | 1,434,000 | 2,118,000 | 2,803,000 |
| Provision for loan losses | 60,000 | 120,000 | 212,000 | 272,000 |
| Pretax income | 347,000 | 696,000 | 1,052,000 | 1,423,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 18,000 |
| Net income | 343,000 | 687,000 | 1,038,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,456,000 | 9,481,000 | 9,657,000 | 9,824,000 |
| Total capital | 10,391,000 | 10,419,000 | 10,612,000 | 10,774,000 |
| Risk-weighted assets | 74,718,000 | 76,821,000 | 76,343,000 | 75,898,000 |