Call reports 2002
WISDOM HERITAGE BANK — 2002
What WISDOM HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 175,353,000 | 166,359,000 | 164,705,000 | 163,093,000 |
| Total loans | 107,561,000 | 97,837,000 | 99,173,000 | 113,693,000 |
| Allowance for loan losses | 2,040,000 | 2,864,000 | 1,873,000 | 1,880,000 |
| Securities available for sale | 50,396,000 | 48,897,000 | 47,816,000 | 34,215,000 |
| Securities held to maturity | 647,000 | 646,000 | 646,000 | 646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,837,000 | 117,097,000 | 114,856,000 | 113,957,000 |
| Interest-bearing deposits | 113,980,000 | 105,936,000 | 100,951,000 | 100,915,000 |
| Noninterest-bearing deposits | 11,857,000 | 11,161,000 | 13,905,000 | 13,042,000 |
| Equity capital | 17,804,000 | 19,028,000 | 20,275,000 | 19,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,655,000 | 5,311,000 | 7,419,000 | 9,743,000 |
| Interest expense | 1,243,000 | 2,355,000 | 3,397,000 | 4,346,000 |
| Net interest income | 1,412,000 | 2,956,000 | 4,022,000 | 5,397,000 |
| Noninterest income | 74,000 | 179,000 | 301,000 | 402,000 |
| Noninterest expense | 615,000 | 1,226,000 | 1,788,000 | 2,578,000 |
| Provision for loan losses | 500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Pretax income | 372,000 | 434,000 | 1,062,000 | 1,940,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 434,000 | 1,062,000 | 1,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,835,000 | 17,927,000 | 18,585,000 | 18,502,000 |
| Total capital | 19,390,000 | 19,404,000 | 20,027,000 | 20,076,000 |
| Risk-weighted assets | 124,004,000 | 116,758,000 | 114,915,000 | 125,642,000 |