Call reports 2015
WISDOM HERITAGE BANK — 2015
What WISDOM HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 311,223,000 | 292,675,000 | 300,228,000 | 330,415,000 |
| Total loans | 191,899,000 | 203,901,000 | 210,279,000 | 247,119,000 |
| Allowance for loan losses | 2,797,000 | 2,818,000 | 2,852,000 | 2,447,000 |
| Securities available for sale | 80,428,000 | 64,047,000 | 65,258,000 | 64,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,832,000 | 254,545,000 | 259,717,000 | 270,309,000 |
| Interest-bearing deposits | 195,504,000 | 189,350,000 | 193,364,000 | 197,405,000 |
| Noninterest-bearing deposits | 75,328,000 | 65,195,000 | 66,353,000 | 72,904,000 |
| Equity capital | 36,533,000 | 36,305,000 | 38,739,000 | 36,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,725,000 | 5,556,000 | 8,456,000 | 11,585,000 |
| Interest expense | 289,000 | 578,000 | 874,000 | 1,178,000 |
| Net interest income | 2,436,000 | 4,978,000 | 7,582,000 | 10,407,000 |
| Noninterest income | 139,000 | 248,000 | 405,000 | 574,000 |
| Noninterest expense | 1,249,000 | 2,562,000 | 3,797,000 | 5,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,353,000 | 2,736,000 | 4,251,000 | 6,031,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,353,000 | 2,736,000 | 4,251,000 | 6,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,783,000 | 38,173,000 | 39,691,000 | 37,144,000 |
| Total capital | 39,565,000 | 40,991,000 | 42,543,000 | 39,591,000 |
| Risk-weighted assets | 222,575,000 | 229,742,000 | 252,131,000 | 294,573,000 |