Call reports 2015
HERITAGE BANK OF SCHAUMBURG — 2015
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 136,468,000 | 136,601,000 | 135,511,000 | 136,927,000 |
| Total loans | 76,299,000 | 77,666,000 | 75,760,000 | 73,616,000 |
| Allowance for loan losses | 937,000 | 941,000 | 937,000 | 938,000 |
| Securities available for sale | 4,317,000 | 8,341,000 | 8,878,000 | 9,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,948,000 | 118,051,000 | 116,891,000 | 118,231,000 |
| Interest-bearing deposits | 99,052,000 | 98,382,000 | 98,229,000 | 99,260,000 |
| Noninterest-bearing deposits | 18,896,000 | 19,669,000 | 18,662,000 | 18,971,000 |
| Equity capital | 18,169,000 | 18,141,000 | 18,222,000 | 18,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,983,000 | 2,987,000 | 3,968,000 |
| Interest expense | 44,000 | 88,000 | 132,000 | 176,000 |
| Net interest income | 940,000 | 1,895,000 | 2,855,000 | 3,792,000 |
| Noninterest income | 113,000 | 199,000 | 280,000 | 341,000 |
| Noninterest expense | 761,000 | 1,524,000 | 2,264,000 | 2,928,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 570,000 | 871,000 | 1,205,000 |
| Income tax | -4,000 | -2,000 | 0 | 3,000 |
| Net income | 296,000 | 572,000 | 871,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,042,000 | 10,028,000 | 10,087,000 | 10,253,000 |
| Total capital | 10,977,000 | 10,965,000 | 11,001,000 | 11,148,000 |
| Risk-weighted assets | 74,768,000 | 74,945,000 | 73,130,000 | 71,579,000 |