Call reports 2014
WISDOM HERITAGE BANK — 2014
What WISDOM HERITAGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 266,893,000 | 274,455,000 | 287,319,000 | 305,314,000 |
| Total loans | 147,521,000 | 171,204,000 | 169,757,000 | 192,050,000 |
| Allowance for loan losses | 2,380,000 | 2,416,000 | 3,003,000 | 2,703,000 |
| Securities available for sale | 93,651,000 | 73,333,000 | 84,696,000 | 79,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,640,000 | 236,543,000 | 247,675,000 | 266,952,000 |
| Interest-bearing deposits | 172,732,000 | 175,906,000 | 186,135,000 | 192,481,000 |
| Noninterest-bearing deposits | 58,908,000 | 60,637,000 | 61,540,000 | 74,471,000 |
| Equity capital | 30,321,000 | 33,010,000 | 34,821,000 | 34,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,277,000 | 4,690,000 | 7,219,000 | 9,773,000 |
| Interest expense | 292,000 | 566,000 | 857,000 | 1,164,000 |
| Net interest income | 1,985,000 | 4,124,000 | 6,362,000 | 8,609,000 |
| Noninterest income | 96,000 | 428,000 | 597,000 | 727,000 |
| Noninterest expense | 838,000 | 1,892,000 | 3,181,000 | 4,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 996,000 | 2,239,000 | 3,117,000 | 4,222,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 996,000 | 2,239,000 | 3,117,000 | 4,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,432,000 | 36,674,000 | 37,359,000 | 35,321,000 |
| Total capital | 37,633,000 | 39,104,000 | 39,838,000 | 38,024,000 |
| Risk-weighted assets | 175,869,000 | 197,914,000 | 197,800,000 | 218,880,000 |