Call reports 2023
HERITAGE BANK OF SCHAUMBURG — 2023
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 147,926,000 | 144,467,000 | 141,870,000 | 138,927,000 |
| Total loans | 70,826,000 | 69,772,000 | 69,780,000 | 68,134,000 |
| Allowance for loan losses | 902,000 | 900,000 | 900,000 | 900,000 |
| Securities available for sale | 61,287,000 | 55,631,000 | 53,217,000 | 50,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,157,000 | 125,811,000 | 123,380,000 | 119,072,000 |
| Interest-bearing deposits | 105,386,000 | 102,378,000 | 100,825,000 | 96,758,000 |
| Noninterest-bearing deposits | 23,771,000 | 23,433,000 | 22,555,000 | 22,314,000 |
| Equity capital | 18,497,000 | 18,255,000 | 18,002,000 | 19,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,121,000 | 3,197,000 | 4,305,000 |
| Interest expense | 82,000 | 181,000 | 301,000 | 449,000 |
| Net interest income | 975,000 | 1,940,000 | 2,896,000 | 3,856,000 |
| Noninterest income | 60,000 | 122,000 | 183,000 | 244,000 |
| Noninterest expense | 751,000 | 1,496,000 | 2,243,000 | 3,003,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 284,000 | 566,000 | 836,000 | 1,097,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 284,000 | 566,000 | 836,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,483,000 | 13,515,000 | 13,595,000 | 13,676,000 |
| Total capital | 14,247,000 | 14,265,000 | 14,346,000 | 14,408,000 |
| Risk-weighted assets | 60,989,000 | 59,886,000 | 59,988,000 | 58,394,000 |