Call reports 2015
HERITAGE BANK OF SAINT TAMMANY — 2015
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,886,000 | 90,973,000 | 92,014,000 | 96,461,000 |
| Total loans | 62,604,000 | 63,479,000 | 64,809,000 | 72,557,000 |
| Allowance for loan losses | 646,000 | 667,000 | 646,000 | 592,000 |
| Securities available for sale | 8,792,000 | 8,241,000 | 7,319,000 | 6,896,000 |
| Securities held to maturity | 1,387,000 | 1,280,000 | 1,183,000 | 1,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,138,000 | 73,698,000 | 73,965,000 | 73,832,000 |
| Interest-bearing deposits | 70,447,000 | 70,747,000 | 70,857,000 | 71,257,000 |
| Noninterest-bearing deposits | 2,691,000 | 2,951,000 | 3,108,000 | 2,575,000 |
| Equity capital | 9,184,000 | 9,208,000 | 9,290,000 | 9,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,789,000 | 2,682,000 | 3,658,000 |
| Interest expense | 227,000 | 454,000 | 686,000 | 924,000 |
| Net interest income | 679,000 | 1,335,000 | 1,996,000 | 2,734,000 |
| Noninterest income | 89,000 | 200,000 | 284,000 | 348,000 |
| Noninterest expense | 699,000 | 1,380,000 | 2,062,000 | 2,786,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 69,000 | 135,000 | 198,000 | 276,000 |
| Income tax | 0 | -5,000 | -5,000 | -1,000 |
| Net income | 69,000 | 140,000 | 203,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,056,000 | 9,098,000 | 9,171,000 | 9,229,000 |
| Total capital | 9,661,000 | 9,705,000 | 9,784,000 | 9,821,000 |
| Risk-weighted assets | 48,411,000 | 48,498,000 | 49,010,000 | 54,073,000 |