Call reports 2003
WISDOM HERITAGE BANK — 2003
What WISDOM HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 161,160,000 | 162,202,000 | 162,722,000 | 168,123,000 |
| Total loans | 109,017,000 | 104,889,000 | 99,238,000 | 116,889,000 |
| Allowance for loan losses | 2,804,000 | 1,846,000 | 1,943,000 | 1,902,000 |
| Securities available for sale | 31,040,000 | 36,854,000 | 46,134,000 | 43,083,000 |
| Securities held to maturity | 646,000 | 646,000 | 601,000 | 570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,673,000 | 111,869,000 | 112,975,000 | 109,168,000 |
| Interest-bearing deposits | 97,267,000 | 97,615,000 | 97,226,000 | 94,548,000 |
| Noninterest-bearing deposits | 15,406,000 | 14,254,000 | 15,749,000 | 14,620,000 |
| Equity capital | 19,243,000 | 21,001,000 | 20,864,000 | 20,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,163,000 | 4,180,000 | 6,203,000 | 8,361,000 |
| Interest expense | 887,000 | 1,721,000 | 2,489,000 | 3,213,000 |
| Net interest income | 1,276,000 | 2,459,000 | 3,714,000 | 5,148,000 |
| Noninterest income | 77,000 | 239,000 | 1,037,000 | 1,190,000 |
| Noninterest expense | 686,000 | 1,382,000 | 2,066,000 | 2,772,000 |
| Provision for loan losses | 900,000 | 900,000 | 1,844,000 | 2,843,000 |
| Pretax income | -193,000 | 456,000 | 1,044,000 | 1,007,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -193,000 | 456,000 | 1,044,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,338,000 | 20,018,000 | 20,636,000 | 20,628,000 |
| Total capital | 19,874,000 | 21,507,000 | 22,065,000 | 22,239,000 |
| Risk-weighted assets | 121,598,000 | 118,738,000 | 113,767,000 | 128,583,000 |