Call reports 2009
WISDOM HERITAGE BANK — 2009
What WISDOM HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,477,000 | 175,800,000 | 176,682,000 | 184,554,000 |
| Total loans | 132,133,000 | 135,675,000 | 135,122,000 | 146,215,000 |
| Allowance for loan losses | 2,346,000 | 2,605,000 | 2,112,000 | 2,659,000 |
| Securities available for sale | 39,921,000 | 35,188,000 | 35,706,000 | 32,284,000 |
| Securities held to maturity | 143,000 | 142,000 | 87,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,574,000 | 132,979,000 | 132,052,000 | 137,650,000 |
| Interest-bearing deposits | 111,132,000 | 107,005,000 | 107,540,000 | 110,509,000 |
| Noninterest-bearing deposits | 27,442,000 | 25,974,000 | 24,512,000 | 27,141,000 |
| Equity capital | 29,012,000 | 29,652,000 | 31,156,000 | 29,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,778,000 | 7,038,000 | 9,218,000 |
| Interest expense | 643,000 | 1,206,000 | 1,744,000 | 2,261,000 |
| Net interest income | 1,770,000 | 3,572,000 | 5,294,000 | 6,957,000 |
| Noninterest income | 92,000 | 326,000 | 453,000 | 605,000 |
| Noninterest expense | 884,000 | 1,792,000 | 2,681,000 | 3,752,000 |
| Provision for loan losses | 505,000 | 715,000 | 715,000 | 715,000 |
| Pretax income | 502,000 | 1,475,000 | 2,438,000 | 3,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 502,000 | 1,475,000 | 2,438,000 | 3,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,409,000 | 29,382,000 | 30,346,000 | 29,190,000 |
| Total capital | 30,177,000 | 31,176,000 | 32,129,000 | 31,108,000 |
| Risk-weighted assets | 140,840,000 | 142,713,000 | 142,340,000 | 152,666,000 |