Call reports 2014
HERITAGE BANK OF SCHAUMBURG — 2014
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 126,384,000 | 136,911,000 | 133,896,000 | 134,158,000 |
| Total loans | 77,074,000 | 76,834,000 | 75,712,000 | 76,316,000 |
| Allowance for loan losses | 1,175,000 | 1,030,000 | 1,031,000 | 1,032,000 |
| Securities available for sale | 6,349,000 | 6,315,000 | 5,288,000 | 2,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,103,000 | 118,595,000 | 115,488,000 | 115,637,000 |
| Interest-bearing deposits | 90,732,000 | 101,177,000 | 98,589,000 | 98,980,000 |
| Noninterest-bearing deposits | 17,371,000 | 17,418,000 | 16,899,000 | 16,657,000 |
| Equity capital | 17,999,000 | 17,908,000 | 17,991,000 | 18,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,022,000 | 3,025,000 | 4,045,000 |
| Interest expense | 42,000 | 85,000 | 128,000 | 172,000 |
| Net interest income | 971,000 | 1,937,000 | 2,897,000 | 3,873,000 |
| Noninterest income | 77,000 | 155,000 | 257,000 | 352,000 |
| Noninterest expense | 737,000 | 1,470,000 | 2,207,000 | 2,918,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 311,000 | 622,000 | 947,000 | 1,307,000 |
| Income tax | -7,000 | -3,000 | 1,000 | 4,000 |
| Net income | 318,000 | 625,000 | 946,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,821,000 | 9,753,000 | 9,859,000 | 9,996,000 |
| Total capital | 10,759,000 | 10,688,000 | 10,776,000 | 10,917,000 |
| Risk-weighted assets | 74,794,000 | 74,711,000 | 73,239,000 | 73,531,000 |