Call reports 2019
HERITAGE BANK OF SCHAUMBURG — 2019
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 146,825,000 | 143,935,000 | 137,036,000 | 133,445,000 |
| Total loans | 72,646,000 | 72,743,000 | 73,440,000 | 77,689,000 |
| Allowance for loan losses | 726,000 | 744,000 | 762,000 | 779,000 |
| Securities available for sale | 21,333,000 | 21,919,000 | 20,921,000 | 19,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,533,000 | 123,441,000 | 111,275,000 | 112,886,000 |
| Interest-bearing deposits | 105,714,000 | 102,271,000 | 91,612,000 | 92,632,000 |
| Noninterest-bearing deposits | 20,819,000 | 21,170,000 | 19,663,000 | 20,254,000 |
| Equity capital | 20,031,000 | 20,176,000 | 20,208,000 | 20,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,281,000 | 3,392,000 | 4,480,000 |
| Interest expense | 54,000 | 107,000 | 185,000 | 242,000 |
| Net interest income | 1,084,000 | 2,174,000 | 3,207,000 | 4,238,000 |
| Noninterest income | 63,000 | 129,000 | 194,000 | 260,000 |
| Noninterest expense | 709,000 | 1,399,000 | 2,100,000 | 2,801,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 423,000 | 874,000 | 1,256,000 | 1,637,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 418,000 | 864,000 | 1,241,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,808,000 | 11,742,000 | 11,759,000 | 11,806,000 |
| Total capital | 12,468,000 | 12,405,000 | 12,421,000 | 12,485,000 |
| Risk-weighted assets | 52,778,000 | 53,007,000 | 52,884,000 | 54,268,000 |