Call reports 2013
WISDOM HERITAGE BANK — 2013
What WISDOM HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 230,140,000 | 222,400,000 | 238,858,000 | 254,106,000 |
| Total loans | 133,981,000 | 133,955,000 | 135,336,000 | 139,267,000 |
| Allowance for loan losses | 2,441,000 | 2,551,000 | 2,640,000 | 2,369,000 |
| Securities available for sale | 77,907,000 | 73,261,000 | 82,510,000 | 84,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,003,000 | 186,895,000 | 202,870,000 | 221,701,000 |
| Interest-bearing deposits | 144,475,000 | 141,681,000 | 150,913,000 | 161,757,000 |
| Noninterest-bearing deposits | 46,528,000 | 45,214,000 | 51,957,000 | 59,944,000 |
| Equity capital | 34,426,000 | 30,854,000 | 30,450,000 | 27,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,262,000 | 6,596,000 | 8,850,000 |
| Interest expense | 298,000 | 590,000 | 898,000 | 1,268,000 |
| Net interest income | 1,807,000 | 3,672,000 | 5,698,000 | 7,582,000 |
| Noninterest income | 146,000 | 295,000 | 433,000 | 573,000 |
| Noninterest expense | 875,000 | 1,805,000 | 2,617,000 | 3,738,000 |
| Provision for loan losses | 0 | 1,000 | 0 | 0 |
| Pretax income | 1,238,000 | 2,452,000 | 3,606,000 | 4,502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,238,000 | 2,452,000 | 3,606,000 | 4,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,546,000 | 34,759,000 | 35,912,000 | 34,436,000 |
| Total capital | 36,514,000 | 36,682,000 | 37,884,000 | 36,547,000 |
| Risk-weighted assets | 156,933,000 | 153,203,000 | 157,099,000 | 168,621,000 |