Call reports 2018
HERITAGE BANK OF SCHAUMBURG — 2018
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 146,263,000 | 144,773,000 | 142,864,000 | 146,539,000 |
| Total loans | 66,229,000 | 65,826,000 | 66,706,000 | 68,570,000 |
| Allowance for loan losses | 704,000 | 705,000 | 708,000 | 711,000 |
| Securities available for sale | 20,334,000 | 20,822,000 | 19,740,000 | 20,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,976,000 | 125,388,000 | 123,416,000 | 126,649,000 |
| Interest-bearing deposits | 106,618,000 | 105,563,000 | 103,977,000 | 106,351,000 |
| Noninterest-bearing deposits | 20,358,000 | 19,825,000 | 19,439,000 | 20,298,000 |
| Equity capital | 18,936,000 | 19,014,000 | 19,092,000 | 19,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,055,000 | 3,100,000 | 4,235,000 |
| Interest expense | 40,000 | 79,000 | 127,000 | 178,000 |
| Net interest income | 986,000 | 1,976,000 | 2,973,000 | 4,057,000 |
| Noninterest income | 67,000 | 167,000 | 233,000 | 338,000 |
| Noninterest expense | 744,000 | 1,493,000 | 2,231,000 | 2,947,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 294,000 | 635,000 | 960,000 | 1,433,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 13,000 |
| Net income | 292,000 | 630,000 | 952,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,062,000 | 11,140,000 | 11,277,000 | 11,590,000 |
| Total capital | 11,687,000 | 11,763,000 | 11,905,000 | 12,225,000 |
| Risk-weighted assets | 49,967,000 | 49,790,000 | 50,181,000 | 50,786,000 |