Call reports 2020
HERITAGE BANK OF SAINT TAMMANY — 2020
What HERITAGE BANK OF SAINT TAMMANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 135,315,000 | 139,227,000 | 145,033,000 | 141,443,000 |
| Total loans | 106,520,000 | 106,883,000 | 107,886,000 | 105,002,000 |
| Allowance for loan losses | 778,000 | 818,000 | 912,000 | 1,011,000 |
| Securities available for sale | 5,892,000 | 5,515,000 | 9,092,000 | 11,820,000 |
| Securities held to maturity | 356,000 | 325,000 | 290,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,654,000 | 101,339,000 | 107,741,000 | 105,845,000 |
| Interest-bearing deposits | 84,742,000 | 86,802,000 | 91,379,000 | 91,952,000 |
| Noninterest-bearing deposits | 10,912,000 | 14,537,000 | 16,362,000 | 13,893,000 |
| Equity capital | 19,295,000 | 19,651,000 | 19,932,000 | 20,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,930,000 | 4,381,000 | 5,788,000 |
| Interest expense | 440,000 | 834,000 | 1,187,000 | 1,495,000 |
| Net interest income | 1,036,000 | 2,096,000 | 3,194,000 | 4,293,000 |
| Noninterest income | 129,000 | 647,000 | 1,252,000 | 2,115,000 |
| Noninterest expense | 1,023,000 | 2,201,000 | 3,523,000 | 4,970,000 |
| Provision for loan losses | 10,000 | 50,000 | 145,000 | 245,000 |
| Pretax income | 132,000 | 492,000 | 778,000 | 1,193,000 |
| Income tax | 33,000 | 98,000 | 155,000 | 237,000 |
| Net income | 99,000 | 394,000 | 623,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,223,000 | 19,583,000 | 19,876,000 | 20,273,000 |
| Total capital | 20,001,000 | 20,401,000 | 20,788,000 | 21,284,000 |
| Risk-weighted assets | 84,898,000 | 89,452,000 | 91,344,000 | 87,890,000 |