Call reports 2011
WISDOM HERITAGE BANK — 2011
What WISDOM HERITAGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 187,731,000 | 196,431,000 | 204,067,000 | 206,324,000 |
| Total loans | 136,073,000 | 129,169,000 | 125,393,000 | 134,087,000 |
| Allowance for loan losses | 2,274,000 | 2,140,000 | 2,061,000 | 2,247,000 |
| Securities available for sale | 26,809,000 | 49,881,000 | 60,109,000 | 62,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,867,000 | 155,123,000 | 161,074,000 | 166,221,000 |
| Interest-bearing deposits | 115,891,000 | 119,143,000 | 120,300,000 | 123,769,000 |
| Noninterest-bearing deposits | 31,976,000 | 35,980,000 | 40,774,000 | 42,452,000 |
| Equity capital | 32,372,000 | 33,866,000 | 35,591,000 | 33,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,272,000 | 6,376,000 | 8,526,000 |
| Interest expense | 392,000 | 787,000 | 1,167,000 | 1,562,000 |
| Net interest income | 1,764,000 | 3,485,000 | 5,209,000 | 6,964,000 |
| Noninterest income | 111,000 | 364,000 | 578,000 | 742,000 |
| Noninterest expense | 851,000 | 1,744,000 | 2,548,000 | 3,431,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 774,000 | 2,021,000 | 3,177,000 | 4,241,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 774,000 | 2,021,000 | 3,177,000 | 4,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,732,000 | 32,854,000 | 33,885,000 | 32,245,000 |
| Total capital | 33,566,000 | 34,607,000 | 35,625,000 | 34,066,000 |
| Risk-weighted assets | 146,310,000 | 139,843,000 | 138,875,000 | 145,216,000 |