Call reports 2005
WISDOM HERITAGE BANK — 2005
What WISDOM HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 169,044,000 | 170,417,000 | 170,608,000 | 185,524,000 |
| Total loans | 124,787,000 | 123,000,000 | 127,478,000 | 147,185,000 |
| Allowance for loan losses | 1,910,000 | 2,418,000 | 2,417,000 | 1,945,000 |
| Securities available for sale | 29,668,000 | 34,182,000 | 32,192,000 | 30,477,000 |
| Securities held to maturity | 489,000 | 489,000 | 444,000 | 414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,987,000 | 121,541,000 | 120,678,000 | 129,263,000 |
| Interest-bearing deposits | 99,584,000 | 101,466,000 | 99,901,000 | 108,693,000 |
| Noninterest-bearing deposits | 19,403,000 | 20,075,000 | 20,777,000 | 20,570,000 |
| Equity capital | 21,683,000 | 20,508,000 | 21,614,000 | 21,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,416,000 | 4,892,000 | 7,488,000 | 10,405,000 |
| Interest expense | 797,000 | 1,718,000 | 2,685,000 | 3,758,000 |
| Net interest income | 1,619,000 | 3,174,000 | 4,803,000 | 6,647,000 |
| Noninterest income | 252,000 | 654,000 | 871,000 | 1,180,000 |
| Noninterest expense | 680,000 | 1,364,000 | 2,101,000 | 3,103,000 |
| Provision for loan losses | 453,000 | 956,000 | 959,000 | 1,359,000 |
| Pretax income | 781,000 | 1,552,000 | 2,642,000 | 3,369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 781,000 | 1,550,000 | 2,640,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,394,000 | 20,955,000 | 22,069,000 | 22,821,000 |
| Total capital | 24,108,000 | 22,677,000 | 23,827,000 | 24,766,000 |
| Risk-weighted assets | 136,890,000 | 137,061,000 | 139,998,000 | 158,492,000 |