Call reports 2014
HERITAGE BANK OF SAINT TAMMANY — 2014
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 89,620,000 | 88,645,000 | 89,608,000 | 88,896,000 |
| Total loans | 58,316,000 | 56,621,000 | 59,241,000 | 60,783,000 |
| Allowance for loan losses | 871,000 | 860,000 | 837,000 | 650,000 |
| Securities available for sale | 11,096,000 | 10,144,000 | 11,175,000 | 10,148,000 |
| Securities held to maturity | 3,811,000 | 3,695,000 | 1,583,000 | 1,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,445,000 | 74,681,000 | 74,060,000 | 72,720,000 |
| Interest-bearing deposits | 72,422,000 | 72,621,000 | 71,944,000 | 70,592,000 |
| Noninterest-bearing deposits | 2,023,000 | 2,060,000 | 2,116,000 | 2,128,000 |
| Equity capital | 8,878,000 | 8,990,000 | 9,017,000 | 9,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,734,000 | 2,590,000 | 3,468,000 |
| Interest expense | 232,000 | 461,000 | 690,000 | 929,000 |
| Net interest income | 633,000 | 1,273,000 | 1,900,000 | 2,539,000 |
| Noninterest income | 52,000 | 151,000 | 219,000 | 262,000 |
| Noninterest expense | 646,000 | 1,315,000 | 1,983,000 | 2,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 39,000 | 109,000 | 136,000 | 172,000 |
| Income tax | -2,000 | -6,000 | -9,000 | -13,000 |
| Net income | 41,000 | 115,000 | 145,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,824,000 | 8,898,000 | 8,928,000 | 8,968,000 |
| Total capital | 9,424,000 | 9,481,000 | 9,521,000 | 9,566,000 |
| Risk-weighted assets | 47,502,000 | 46,112,000 | 46,920,000 | 47,812,000 |