Call reports 2016
WISDOM HERITAGE BANK — 2016
What WISDOM HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 338,530,000 | 315,617,000 | 313,160,000 | 311,929,000 |
| Total loans | 269,105,000 | 255,748,000 | 253,878,000 | 254,636,000 |
| Allowance for loan losses | 2,658,000 | 2,978,000 | 3,142,000 | 3,074,000 |
| Securities available for sale | 51,091,000 | 42,412,000 | 41,830,000 | 41,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,829,000 | 255,954,000 | 260,080,000 | 262,907,000 |
| Interest-bearing deposits | 195,937,000 | 191,040,000 | 196,342,000 | 196,509,000 |
| Noninterest-bearing deposits | 72,892,000 | 64,914,000 | 63,738,000 | 66,398,000 |
| Equity capital | 39,150,000 | 41,217,000 | 43,053,000 | 37,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,413,000 | 6,839,000 | 10,188,000 | 13,510,000 |
| Interest expense | 337,000 | 676,000 | 1,021,000 | 1,364,000 |
| Net interest income | 3,076,000 | 6,163,000 | 9,167,000 | 12,146,000 |
| Noninterest income | 116,000 | 365,000 | 499,000 | 653,000 |
| Noninterest expense | 1,126,000 | 2,516,000 | 3,727,000 | 4,996,000 |
| Provision for loan losses | 150,000 | 400,000 | 550,000 | 1,075,000 |
| Pretax income | 1,908,000 | 3,679,000 | 5,554,000 | 6,893,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,908,000 | 3,679,000 | 5,554,000 | 6,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,032,000 | 40,813,000 | 42,696,000 | 37,962,000 |
| Total capital | 41,690,000 | 43,791,000 | 45,838,000 | 41,036,000 |
| Risk-weighted assets | 315,849,000 | 294,397,000 | 290,261,000 | 286,640,000 |