FDIC Certificate #: 21721 Status: Active Federal Reserve ID: 337340 Bank Holding Company (Regulatory Top Holder): Schaumburg Bancshares, Inc. (RSSDID: 1204609, Location: Schaumburg, IL) Date Established: August 08, 1974 WWW:http://www.hbschaumburg.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 15035 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 08, 1974 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 1535 Schaumburg Road, Schaumburg, IL 60194 County: Cook Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $124.6 mil Equity capital: $17.8 mil Deposits held in domestic offices: $106.5 mil Return on assets (ROA): 0.84% ($1.1 mil) Quarterly return on assets: 1.24% ($1.6 mil) Return on Equity (ROE): 5.85% ($1.1 mil) Quarterly return on equity: 8.67% ($1.6 mil) Net income: $1.0 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.83% ($1,034.5 mil) Quarterly Pretax return on assets: 1.26% ($1,570.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
22Total employees (full-time equivalent)
$124,644Total assets
$30,352Cash and due from depository institutions
$27,947Interest-bearing balances
$8,276Securities
$0Federal funds sold & reverse repurchase agreements
$74,301Net loans & leases
$963Loan loss allowance
$0Trading account assets
$1,859Bank premises and fixed assets
$426Other real estate owned
$8,147Goodwill and other intangibles
$124,644Life insurance assets
$1,283All other assets
$106,822Total liabilities and capital
$106,519Total liabilities
$91,489Total deposits
$106,519Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$303Subordinated debt
$17,822All other liabilities
$17,822Total equity capital
$17,822Total bank equity capital
$0Perpetual preferred stock
$665Common stock
$15,335Surplus
$1,822Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,072Income earned, not collected on loans
$0Earning assets
$348Long-term assets (5+ years)
$110,524Average Assets, year-to-date
$13,430Average Assets, quarterly
$122,319Volatile liabilities
$123,740Insider loans
$74,155FHLB advances
$114,083Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,417Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,204Restructured Loans and leases
$4,724Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,759Total interest income
$466Total interest expense
$4,293Net interest income
$574Provision for loan and lease losses
$315Total noninterest income
$0Fiduciary activities
$184Service charges on deposit accounts
$0Trading account gains & fees
$131Additional noninterest income
$3,016Total noninterest expense
$1,709Salaries and employee benefits
$245Premises and equipment expense
$1,062Additional noninterest expense
$1,018Pre-tax net operating income
$0Securities gains (losses)
-$4Applicable income taxes
$1,022Income before extraordinary items
$0Extraordinary gains - net
$1,022Net income attributable to bank
$0Net charge-offs
$1,022Cash dividends
$278Sale, conversion, retirement of capital stock, net
$850Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.46%Yield on earning assets
0.44%Cost of funding earning assets
4.02%Net interest margin
0.30%Noninterest income to earning assets
2.83%Noninterest expense to earning assets
0.84%Net operating income to assets
0.84%Return on assets (ROA)
0.83%Pretax return on assets
5.85%Return on equity (ROE)
0.98%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
206.47%Credit loss provision to net charge-offs
5.73%Efficiency ratio
63,650Assets per employee
5.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.17%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
89.83%Noncurrent assets plus other real estate owned to assets
1.20%Noncurrent loans to loans
1.42%Net loans and leases to deposits
69.75%Net loans and leases to core deposits
71.28%Equity capital to assets
14.30%Core capital (leverage) ratio
8.25%Tier 1 risk-based capital ratio
12.70%Total risk-based capital ratio
Memoranda
$14Average assets
$122,319Average earning assets
$17,465Average equity
$106,673Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15035
Heritage Bank Of Schaumburg
1535 Schaumburg Road, Schaumburg, IL 60194
August 08, 1974
Full Service Brick and Mortar
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