Call reports 2019
HERITAGE BANK OF SAINT TAMMANY — 2019
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,622,000 | 122,335,000 | 131,295,000 | 131,421,000 |
| Total loans | 97,274,000 | 100,769,000 | 104,418,000 | 103,238,000 |
| Allowance for loan losses | 772,000 | 772,000 | 756,000 | 769,000 |
| Securities available for sale | 3,987,000 | 3,769,000 | 6,710,000 | 6,210,000 |
| Securities held to maturity | 491,000 | 458,000 | 425,000 | 389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,936,000 | 83,531,000 | 94,729,000 | 93,286,000 |
| Interest-bearing deposits | 73,362,000 | 72,296,000 | 85,143,000 | 83,734,000 |
| Noninterest-bearing deposits | 11,574,000 | 11,235,000 | 9,586,000 | 9,552,000 |
| Equity capital | 18,468,000 | 18,650,000 | 18,846,000 | 19,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,715,000 | 4,222,000 | 5,710,000 |
| Interest expense | 385,000 | 784,000 | 1,268,000 | 1,719,000 |
| Net interest income | 942,000 | 1,931,000 | 2,954,000 | 3,991,000 |
| Noninterest income | 111,000 | 227,000 | 382,000 | 587,000 |
| Noninterest expense | 858,000 | 1,785,000 | 2,712,000 | 3,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 195,000 | 373,000 | 624,000 | 657,000 |
| Income tax | 43,000 | 72,000 | 123,000 | 181,000 |
| Net income | 152,000 | 301,000 | 501,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,479,000 | 18,628,000 | 18,828,000 | 19,060,000 |
| Total capital | 19,251,000 | 19,400,000 | 19,584,000 | 19,829,000 |
| Risk-weighted assets | 73,409,000 | 75,426,000 | 81,933,000 | 79,061,000 |