Call reports 2010
WISDOM HERITAGE BANK — 2010
What WISDOM HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 182,935,000 | 173,255,000 | 177,485,000 | 179,965,000 |
| Total loans | 145,052,000 | 140,397,000 | 138,493,000 | 144,492,000 |
| Allowance for loan losses | 1,931,000 | 1,900,000 | 2,994,000 | 2,535,000 |
| Securities available for sale | 30,506,000 | 25,745,000 | 24,372,000 | 20,702,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,725,000 | 131,036,000 | 136,071,000 | 140,862,000 |
| Interest-bearing deposits | 109,882,000 | 104,789,000 | 106,838,000 | 110,904,000 |
| Noninterest-bearing deposits | 26,843,000 | 26,247,000 | 29,233,000 | 29,958,000 |
| Equity capital | 31,135,000 | 32,635,000 | 32,786,000 | 31,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,304,000 | 4,570,000 | 6,727,000 | 8,894,000 |
| Interest expense | 486,000 | 948,000 | 1,389,000 | 1,927,000 |
| Net interest income | 1,818,000 | 3,622,000 | 5,338,000 | 6,967,000 |
| Noninterest income | 134,000 | 574,000 | 712,000 | 866,000 |
| Noninterest expense | 886,000 | 1,871,000 | 2,578,000 | 3,808,000 |
| Provision for loan losses | 0 | 0 | 1,050,000 | 1,050,000 |
| Pretax income | 1,075,000 | 2,440,000 | 2,504,000 | 3,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,075,000 | 2,440,000 | 2,504,000 | 3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,265,000 | 31,630,000 | 31,694,000 | 31,083,000 |
| Total capital | 32,161,000 | 33,455,000 | 33,513,000 | 32,972,000 |
| Risk-weighted assets | 151,640,000 | 145,919,000 | 144,370,000 | 150,452,000 |