Call reports 2012
HERITAGE BANK OF SAINT TAMMANY — 2012
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,604,000 | 96,413,000 | 94,676,000 | 92,037,000 |
| Total loans | 62,710,000 | 60,872,000 | 58,556,000 | 55,818,000 |
| Allowance for loan losses | 1,452,000 | 1,543,000 | 1,524,000 | 1,283,000 |
| Securities available for sale | 15,890,000 | 13,058,000 | 12,115,000 | 11,650,000 |
| Securities held to maturity | 1,821,000 | 1,755,000 | 3,620,000 | 3,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,929,000 | 81,874,000 | 80,334,000 | 78,376,000 |
| Interest-bearing deposits | 81,099,000 | 79,921,000 | 77,777,000 | 75,655,000 |
| Noninterest-bearing deposits | 1,830,000 | 1,953,000 | 2,557,000 | 2,721,000 |
| Equity capital | 8,970,000 | 9,068,000 | 9,190,000 | 9,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,160,000 | 3,157,000 | 4,105,000 |
| Interest expense | 355,000 | 693,000 | 1,011,000 | 1,307,000 |
| Net interest income | 801,000 | 1,467,000 | 2,146,000 | 2,798,000 |
| Noninterest income | -559,000 | -485,000 | -401,000 | -579,000 |
| Noninterest expense | 652,000 | 1,324,000 | 1,971,000 | 2,703,000 |
| Provision for loan losses | 843,000 | 843,000 | 843,000 | 1,213,000 |
| Pretax income | -1,253,000 | -1,185,000 | -1,069,000 | -1,697,000 |
| Income tax | -53,000 | -50,000 | -50,000 | -582,000 |
| Net income | -1,200,000 | -1,135,000 | -1,019,000 | -1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,700,000 | 8,765,000 | 8,881,000 | 8,785,000 |
| Total capital | 9,369,000 | 9,420,000 | 9,514,000 | 9,399,000 |
| Risk-weighted assets | 52,350,000 | 51,224,000 | 49,316,000 | 48,410,000 |