Call reports 2006
WISDOM HERITAGE BANK — 2006
What WISDOM HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,086,000 | 177,846,000 | 175,545,000 | 179,425,000 |
| Total loans | 143,499,000 | 137,558,000 | 140,516,000 | 146,242,000 |
| Allowance for loan losses | 2,196,000 | 2,075,000 | 2,074,000 | 1,512,000 |
| Securities available for sale | 29,234,000 | 30,574,000 | 25,376,000 | 24,257,000 |
| Securities held to maturity | 413,000 | 413,000 | 368,000 | 328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,101,000 | 141,270,000 | 143,218,000 | 142,182,000 |
| Interest-bearing deposits | 104,204,000 | 119,927,000 | 123,494,000 | 122,557,000 |
| Noninterest-bearing deposits | 21,897,000 | 21,343,000 | 19,724,000 | 19,625,000 |
| Equity capital | 23,054,000 | 22,340,000 | 23,789,000 | 24,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,210,000 | 6,462,000 | 9,672,000 | 13,067,000 |
| Interest expense | 1,190,000 | 2,421,000 | 3,755,000 | 5,085,000 |
| Net interest income | 2,020,000 | 4,041,000 | 5,917,000 | 7,982,000 |
| Noninterest income | 188,000 | 374,000 | 559,000 | 740,000 |
| Noninterest expense | 671,000 | 1,376,000 | 2,114,000 | 3,066,000 |
| Provision for loan losses | 351,000 | 851,000 | 854,000 | 1,455,000 |
| Pretax income | 1,153,000 | 2,155,000 | 3,453,000 | 4,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,153,000 | 2,155,000 | 3,453,000 | 4,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,982,000 | 23,699,000 | 24,464,000 | 25,164,000 |
| Total capital | 25,907,000 | 25,561,000 | 26,366,000 | 26,676,000 |
| Risk-weighted assets | 153,541,000 | 148,743,000 | 151,514,000 | 156,267,000 |