Call reports 2007
WISDOM HERITAGE BANK — 2007
What WISDOM HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 181,405,000 | 174,994,000 | 169,839,000 | 176,430,000 |
| Total loans | 147,033,000 | 139,365,000 | 133,924,000 | 137,289,000 |
| Allowance for loan losses | 1,997,000 | 2,448,000 | 2,141,000 | 2,756,000 |
| Securities available for sale | 24,317,000 | 24,511,000 | 24,336,000 | 21,570,000 |
| Securities held to maturity | 328,000 | 327,000 | 277,000 | 237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,169,000 | 139,481,000 | 133,618,000 | 136,771,000 |
| Interest-bearing deposits | 124,015,000 | 117,787,000 | 112,203,000 | 115,207,000 |
| Noninterest-bearing deposits | 22,154,000 | 21,694,000 | 21,415,000 | 21,564,000 |
| Equity capital | 24,364,000 | 24,880,000 | 26,158,000 | 28,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,769,000 | 9,684,000 | 12,826,000 |
| Interest expense | 1,380,000 | 2,707,000 | 3,951,000 | 5,144,000 |
| Net interest income | 2,017,000 | 4,062,000 | 5,733,000 | 7,682,000 |
| Noninterest income | 286,000 | 574,000 | 1,408,000 | 4,500,000 |
| Noninterest expense | 768,000 | 1,509,000 | 2,217,000 | 3,138,000 |
| Provision for loan losses | 477,000 | 927,000 | 1,895,000 | 3,636,000 |
| Pretax income | 1,005,000 | 2,147,000 | 2,976,000 | 5,321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,005,000 | 2,147,000 | 2,976,000 | 5,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,844,000 | 25,986,000 | 26,815,000 | 29,160,000 |
| Total capital | 26,828,000 | 27,887,000 | 28,645,000 | 31,033,000 |
| Risk-weighted assets | 158,684,000 | 151,545,000 | 145,899,000 | 149,064,000 |