Call reports 2013
HERITAGE BANK OF SCHAUMBURG — 2013
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 131,586,000 | 131,315,000 | 128,201,000 | 124,372,000 |
| Total loans | 79,086,000 | 79,126,000 | 78,327,000 | 78,723,000 |
| Allowance for loan losses | 1,122,000 | 1,183,000 | 1,231,000 | 1,204,000 |
| Securities available for sale | 8,110,000 | 7,066,000 | 7,038,000 | 6,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,266,000 | 113,141,000 | 109,953,000 | 105,993,000 |
| Interest-bearing deposits | 96,083,000 | 95,727,000 | 93,505,000 | 89,685,000 |
| Noninterest-bearing deposits | 17,183,000 | 17,414,000 | 16,448,000 | 16,308,000 |
| Equity capital | 18,080,000 | 17,869,000 | 17,917,000 | 18,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,104,000 | 3,128,000 | 4,147,000 |
| Interest expense | 65,000 | 121,000 | 169,000 | 213,000 |
| Net interest income | 988,000 | 1,983,000 | 2,959,000 | 3,934,000 |
| Noninterest income | 98,000 | 184,000 | 259,000 | 332,000 |
| Noninterest expense | 722,000 | 1,452,000 | 2,177,000 | 2,864,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 304,000 | 595,000 | 861,000 | 1,222,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 18,000 |
| Net income | 300,000 | 586,000 | 847,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,809,000 | 9,630,000 | 9,696,000 | 9,823,000 |
| Total capital | 10,771,000 | 10,583,000 | 10,644,000 | 10,766,000 |
| Risk-weighted assets | 76,774,000 | 75,979,000 | 75,537,000 | 75,175,000 |