Call reports 2008
WISDOM HERITAGE BANK — 2008
What WISDOM HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,009,000 | 187,243,000 | 181,905,000 | 183,293,000 |
| Total loans | 139,372,000 | 133,961,000 | 128,977,000 | 130,848,000 |
| Allowance for loan losses | 2,323,000 | 2,743,000 | 3,471,000 | 1,919,000 |
| Securities available for sale | 28,959,000 | 35,745,000 | 42,317,000 | 45,685,000 |
| Securities held to maturity | 236,000 | 236,000 | 190,000 | 143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,874,000 | 147,963,000 | 144,162,000 | 145,774,000 |
| Interest-bearing deposits | 117,657,000 | 114,460,000 | 113,577,000 | 121,802,000 |
| Noninterest-bearing deposits | 24,217,000 | 33,503,000 | 30,585,000 | 23,972,000 |
| Equity capital | 30,755,000 | 27,889,000 | 28,403,000 | 30,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,828,000 | 5,632,000 | 8,324,000 | 10,847,000 |
| Interest expense | 1,160,000 | 2,200,000 | 3,144,000 | 3,943,000 |
| Net interest income | 1,668,000 | 3,432,000 | 5,180,000 | 6,904,000 |
| Noninterest income | 541,000 | 688,000 | 944,000 | 1,272,000 |
| Noninterest expense | 799,000 | 1,647,000 | 2,452,000 | 3,601,000 |
| Provision for loan losses | 0 | 341,000 | 1,201,000 | 1,875,000 |
| Pretax income | 1,410,000 | 2,132,000 | 2,471,000 | 2,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,410,000 | 2,132,000 | 2,471,000 | 2,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,570,000 | 28,810,000 | 29,149,000 | 29,379,000 |
| Total capital | 32,482,000 | 30,671,000 | 30,937,000 | 31,131,000 |
| Risk-weighted assets | 152,563,000 | 148,010,000 | 141,336,000 | 140,063,000 |