Call reports 2022
HERITAGE BANK OF SCHAUMBURG — 2022
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 162,470,000 | 161,112,000 | 161,214,000 | 156,902,000 |
| Total loans | 67,800,000 | 70,398,000 | 70,418,000 | 69,726,000 |
| Allowance for loan losses | 903,000 | 903,000 | 903,000 | 903,000 |
| Securities available for sale | 57,349,000 | 62,817,000 | 64,350,000 | 64,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,257,000 | 142,687,000 | 144,204,000 | 138,916,000 |
| Interest-bearing deposits | 116,587,000 | 117,234,000 | 117,111,000 | 111,710,000 |
| Noninterest-bearing deposits | 26,670,000 | 25,453,000 | 27,093,000 | 27,206,000 |
| Equity capital | 19,025,000 | 18,205,000 | 16,757,000 | 17,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,871,000 | 2,862,000 | 3,964,000 |
| Interest expense | 36,000 | 71,000 | 107,000 | 151,000 |
| Net interest income | 888,000 | 1,800,000 | 2,755,000 | 3,813,000 |
| Noninterest income | 57,000 | 115,000 | 177,000 | 235,000 |
| Noninterest expense | 723,000 | 1,457,000 | 2,202,000 | 2,962,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 458,000 | 730,000 | 1,086,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 220,000 | 456,000 | 728,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,915,000 | 13,031,000 | 13,163,000 | 13,379,000 |
| Total capital | 13,553,000 | 13,695,000 | 13,832,000 | 14,032,000 |
| Risk-weighted assets | 50,804,000 | 52,957,000 | 53,322,000 | 52,028,000 |