Call reports 2012
WISDOM HERITAGE BANK — 2012
What WISDOM HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 213,577,000 | 222,986,000 | 226,348,000 | 236,155,000 |
| Total loans | 128,060,000 | 123,869,000 | 125,405,000 | 127,103,000 |
| Allowance for loan losses | 1,868,000 | 1,945,000 | 2,243,000 | 2,392,000 |
| Securities available for sale | 69,410,000 | 80,090,000 | 88,324,000 | 76,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,500,000 | 181,635,000 | 184,883,000 | 196,944,000 |
| Interest-bearing deposits | 127,975,000 | 134,756,000 | 140,523,000 | 141,967,000 |
| Noninterest-bearing deposits | 46,525,000 | 46,879,000 | 44,360,000 | 54,977,000 |
| Equity capital | 34,793,000 | 36,199,000 | 36,332,000 | 34,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,149,000 | 4,248,000 | 6,348,000 | 8,421,000 |
| Interest expense | 314,000 | 620,000 | 948,000 | 1,265,000 |
| Net interest income | 1,835,000 | 3,628,000 | 5,400,000 | 7,156,000 |
| Noninterest income | 190,000 | 316,000 | 453,000 | 585,000 |
| Noninterest expense | 889,000 | 1,916,000 | 2,789,000 | 3,786,000 |
| Provision for loan losses | 100,000 | 102,000 | 102,000 | 101,000 |
| Pretax income | 1,036,000 | 2,071,000 | 3,347,000 | 4,328,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,036,000 | 2,071,000 | 3,347,000 | 4,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,281,000 | 34,316,000 | 34,672,000 | 33,307,000 |
| Total capital | 35,067,000 | 36,079,000 | 36,498,000 | 35,181,000 |
| Risk-weighted assets | 142,767,000 | 140,878,000 | 145,674,000 | 149,385,000 |