Call reports 2016
HERITAGE BANK OF SAINT TAMMANY — 2016
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 97,425,000 | 98,436,000 | 97,152,000 | 98,015,000 |
| Total loans | 73,896,000 | 72,739,000 | 72,542,000 | 75,351,000 |
| Allowance for loan losses | 575,000 | 529,000 | 582,000 | 692,000 |
| Securities available for sale | 6,464,000 | 6,089,000 | 6,640,000 | 7,175,000 |
| Securities held to maturity | 1,037,000 | 962,000 | 890,000 | 832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,564,000 | 76,069,000 | 74,597,000 | 74,526,000 |
| Interest-bearing deposits | 71,376,000 | 71,855,000 | 70,700,000 | 69,896,000 |
| Noninterest-bearing deposits | 3,188,000 | 4,214,000 | 3,897,000 | 4,630,000 |
| Equity capital | 9,423,000 | 9,509,000 | 9,584,000 | 9,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,090,000 | 3,108,000 | 4,085,000 |
| Interest expense | 246,000 | 496,000 | 747,000 | 993,000 |
| Net interest income | 752,000 | 1,594,000 | 2,361,000 | 3,092,000 |
| Noninterest income | 53,000 | 60,000 | 158,000 | 261,000 |
| Noninterest expense | 710,000 | 1,417,000 | 2,146,000 | 2,906,000 |
| Provision for loan losses | 15,000 | 55,000 | 70,000 | 180,000 |
| Pretax income | 80,000 | 182,000 | 303,000 | 267,000 |
| Income tax | 0 | 30,000 | 67,000 | 110,000 |
| Net income | 80,000 | 152,000 | 236,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,317,000 | 9,397,000 | 9,473,000 | 9,418,000 |
| Total capital | 9,892,000 | 9,926,000 | 10,055,000 | 10,096,000 |
| Risk-weighted assets | 54,643,000 | 53,142,000 | 52,455,000 | 54,298,000 |