Call reports 2016
HERITAGE BANK OF SCHAUMBURG — 2016
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 137,837,000 | 138,274,000 | 138,957,000 | 140,898,000 |
| Total loans | 73,030,000 | 76,471,000 | 76,363,000 | 74,713,000 |
| Allowance for loan losses | 917,000 | 918,000 | 919,000 | 678,000 |
| Securities available for sale | 10,842,000 | 11,258,000 | 11,956,000 | 15,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,079,000 | 119,397,000 | 119,974,000 | 121,855,000 |
| Interest-bearing deposits | 99,899,000 | 100,477,000 | 102,064,000 | 102,267,000 |
| Noninterest-bearing deposits | 19,180,000 | 18,920,000 | 17,910,000 | 19,588,000 |
| Equity capital | 18,445,000 | 18,516,000 | 18,638,000 | 18,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 2,004,000 | 3,015,000 | 4,010,000 |
| Interest expense | 43,000 | 86,000 | 128,000 | 171,000 |
| Net interest income | 931,000 | 1,918,000 | 2,887,000 | 3,839,000 |
| Noninterest income | 77,000 | 162,000 | 255,000 | 330,000 |
| Noninterest expense | 757,000 | 1,491,000 | 2,235,000 | 2,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 251,000 | 589,000 | 907,000 | 1,188,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 14,000 |
| Net income | 248,000 | 583,000 | 897,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,311,000 | 10,356,000 | 10,485,000 | 10,612,000 |
| Total capital | 11,204,000 | 11,277,000 | 11,205,000 | 11,293,000 |
| Risk-weighted assets | 71,405,000 | 76,445,000 | 57,388,000 | 56,235,000 |