Call reports 2025
HERITAGE BANK OF SCHAUMBURG — 2025
What HERITAGE BANK OF SCHAUMBURG reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 145,665,000 | 146,768,000 | 147,614,000 | 149,960,000 |
| Total loans | 71,552,000 | 72,049,000 | 74,531,000 | 78,006,000 |
| Allowance for loan losses | 899,000 | 899,000 | 899,000 | 899,000 |
| Securities available for sale | 42,157,000 | 44,905,000 | 44,678,000 | 44,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,130,000 | 124,412,000 | 124,763,000 | 126,705,000 |
| Interest-bearing deposits | 103,761,000 | 103,557,000 | 104,151,000 | 105,985,000 |
| Noninterest-bearing deposits | 20,369,000 | 20,855,000 | 20,612,000 | 20,720,000 |
| Equity capital | 20,990,000 | 21,684,000 | 22,145,000 | 22,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,869,000 | 4,405,000 | 5,985,000 |
| Interest expense | 307,000 | 619,000 | 940,000 | 1,265,000 |
| Net interest income | 1,079,000 | 2,250,000 | 3,465,000 | 4,720,000 |
| Noninterest income | 50,000 | 98,000 | 148,000 | 198,000 |
| Noninterest expense | 746,000 | 1,516,000 | 2,294,000 | 3,085,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 383,000 | 832,000 | 1,319,000 | 1,833,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 383,000 | 832,000 | 1,319,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,182,000 | 14,411,000 | 14,698,000 | 15,010,000 |
| Total capital | 14,942,000 | 15,180,000 | 15,501,000 | 15,864,000 |
| Risk-weighted assets | 60,649,000 | 61,402,000 | 64,172,000 | 68,280,000 |