Call reports 2018
HERITAGE BANK OF SAINT TAMMANY — 2018
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 112,497,000 | 115,289,000 | 115,709,000 | 119,546,000 |
| Total loans | 89,445,000 | 94,098,000 | 94,410,000 | 98,301,000 |
| Allowance for loan losses | 763,000 | 773,000 | 769,000 | 768,000 |
| Securities available for sale | 5,180,000 | 4,815,000 | 4,483,000 | 4,221,000 |
| Securities held to maturity | 619,000 | 586,000 | 547,000 | 518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,325,000 | 83,056,000 | 83,810,000 | 83,463,000 |
| Interest-bearing deposits | 70,396,000 | 72,387,000 | 72,643,000 | 72,953,000 |
| Noninterest-bearing deposits | 9,929,000 | 10,669,000 | 11,167,000 | 10,510,000 |
| Equity capital | 17,753,000 | 17,918,000 | 18,075,000 | 18,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,438,000 | 3,750,000 | 5,109,000 |
| Interest expense | 256,000 | 540,000 | 857,000 | 1,205,000 |
| Net interest income | 933,000 | 1,898,000 | 2,893,000 | 3,904,000 |
| Noninterest income | 57,000 | 157,000 | 255,000 | 369,000 |
| Noninterest expense | 831,000 | 1,677,000 | 2,562,000 | 3,457,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 154,000 | 373,000 | 581,000 | 811,000 |
| Income tax | 30,000 | 73,000 | 116,000 | 162,000 |
| Net income | 124,000 | 300,000 | 465,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,802,000 | 17,978,000 | 18,143,000 | 18,327,000 |
| Total capital | 18,565,000 | 18,751,000 | 18,912,000 | 19,095,000 |
| Risk-weighted assets | 64,789,000 | 68,864,000 | 69,612,000 | 73,272,000 |