Call reports 2020
HERITAGE BANK OF SCHAUMBURG — 2020
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 134,796,000 | 143,619,000 | 144,216,000 | 148,075,000 |
| Total loans | 77,265,000 | 78,659,000 | 81,077,000 | 77,340,000 |
| Allowance for loan losses | 795,000 | 810,000 | 825,000 | 903,000 |
| Securities available for sale | 19,026,000 | 19,661,000 | 21,504,000 | 19,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,002,000 | 122,784,000 | 123,283,000 | 127,002,000 |
| Interest-bearing deposits | 93,192,000 | 99,565,000 | 101,066,000 | 102,657,000 |
| Noninterest-bearing deposits | 20,810,000 | 23,219,000 | 22,217,000 | 24,345,000 |
| Equity capital | 20,524,000 | 20,484,000 | 20,612,000 | 20,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,138,000 | 3,219,000 | 4,281,000 |
| Interest expense | 65,000 | 135,000 | 205,000 | 262,000 |
| Net interest income | 1,016,000 | 2,003,000 | 3,014,000 | 4,019,000 |
| Noninterest income | 59,000 | 114,000 | 174,000 | 299,000 |
| Noninterest expense | 717,000 | 1,425,000 | 2,142,000 | 2,869,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 123,000 |
| Pretax income | 343,000 | 662,000 | 1,001,000 | 1,326,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 10,000 |
| Net income | 339,000 | 656,000 | 993,000 | 1,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,795,000 | 11,682,000 | 11,849,000 | 12,012,000 |
| Total capital | — | 12,361,000 | 12,559,000 | 12,696,000 |
| Risk-weighted assets | — | 54,255,000 | 56,685,000 | 54,548,000 |