Call reports 2004
WISDOM HERITAGE BANK — 2004
What WISDOM HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,595,000 | 162,647,000 | 162,362,000 | 170,356,000 |
| Total loans | 112,540,000 | 109,292,000 | 107,858,000 | 126,007,000 |
| Allowance for loan losses | 1,951,000 | 1,864,000 | 1,868,000 | 1,869,000 |
| Securities available for sale | 36,344,000 | 40,435,000 | 37,367,000 | 37,611,000 |
| Securities held to maturity | 570,000 | 570,000 | 520,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,869,000 | 113,762,000 | 112,981,000 | 119,233,000 |
| Interest-bearing deposits | 95,594,000 | 96,293,000 | 96,231,000 | 101,059,000 |
| Noninterest-bearing deposits | 17,275,000 | 17,469,000 | 16,750,000 | 18,174,000 |
| Equity capital | 20,992,000 | 20,250,000 | 20,797,000 | 21,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,171,000 | 4,268,000 | 6,357,000 | 8,563,000 |
| Interest expense | 706,000 | 1,414,000 | 2,114,000 | 2,858,000 |
| Net interest income | 1,465,000 | 2,854,000 | 4,243,000 | 5,705,000 |
| Noninterest income | 151,000 | 358,000 | 575,000 | 812,000 |
| Noninterest expense | 737,000 | 1,440,000 | 2,033,000 | 2,969,000 |
| Provision for loan losses | 100,000 | 100,000 | 1,404,000 | 1,404,000 |
| Pretax income | 848,000 | 1,738,000 | 1,502,000 | 2,267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 848,000 | 1,738,000 | 1,502,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,507,000 | 21,000,000 | 20,794,000 | 21,588,000 |
| Total capital | 22,070,000 | 22,564,000 | 22,373,000 | 23,370,000 |
| Risk-weighted assets | 124,650,000 | 124,917,000 | 126,052,000 | 142,490,000 |