Call reports 2017
HERITAGE BANK OF SCHAUMBURG — 2017
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 143,124,000 | 141,660,000 | 140,894,000 | 145,389,000 |
| Total loans | 73,271,000 | 71,611,000 | 71,228,000 | 69,439,000 |
| Allowance for loan losses | 695,000 | 711,000 | 708,000 | 719,000 |
| Securities available for sale | 17,154,000 | 16,177,000 | 16,147,000 | 16,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,058,000 | 122,470,000 | 121,598,000 | 126,040,000 |
| Interest-bearing deposits | 103,515,000 | 101,153,000 | 101,169,000 | 104,229,000 |
| Noninterest-bearing deposits | 20,543,000 | 21,317,000 | 20,429,000 | 21,811,000 |
| Equity capital | 18,738,000 | 18,823,000 | 18,908,000 | 18,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,008,000 | 2,022,000 | 3,044,000 | 4,062,000 |
| Interest expense | 41,000 | 83,000 | 124,000 | 166,000 |
| Net interest income | 967,000 | 1,939,000 | 2,920,000 | 3,896,000 |
| Noninterest income | 63,000 | 131,000 | 207,000 | 282,000 |
| Noninterest expense | 766,000 | 1,531,000 | 2,313,000 | 3,025,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 249,000 | 509,000 | 769,000 | 1,093,000 |
| Income tax | 4,000 | 7,000 | 8,000 | 10,000 |
| Net income | 245,000 | 502,000 | 761,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,672,000 | 10,704,000 | 10,788,000 | 10,960,000 |
| Total capital | 11,356,000 | 11,372,000 | 11,451,000 | 11,606,000 |
| Risk-weighted assets | 54,718,000 | 53,395,000 | 53,013,000 | 51,585,000 |