Call reports 2018
WISDOM HERITAGE BANK — 2018
What WISDOM HERITAGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 387,207,000 | 390,190,000 | 383,234,000 | 414,960,000 |
| Total loans | 317,021,000 | 318,273,000 | 308,273,000 | 329,144,000 |
| Allowance for loan losses | 4,934,000 | 6,068,000 | 5,994,000 | 5,111,000 |
| Securities available for sale | 53,338,000 | 53,730,000 | 54,275,000 | 58,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,602,000 | 322,798,000 | 327,512,000 | 320,115,000 |
| Interest-bearing deposits | 247,649,000 | 244,374,000 | 254,605,000 | 243,462,000 |
| Noninterest-bearing deposits | 79,953,000 | 78,424,000 | 72,907,000 | 76,653,000 |
| Equity capital | 50,574,000 | 51,858,000 | 52,548,000 | 50,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,107,000 | 8,582,000 | 12,781,000 | 17,650,000 |
| Interest expense | 515,000 | 1,097,000 | 1,776,000 | 2,568,000 |
| Net interest income | 3,592,000 | 7,485,000 | 11,005,000 | 15,082,000 |
| Noninterest income | 144,000 | 306,000 | 460,000 | 680,000 |
| Noninterest expense | 1,327,000 | 2,867,000 | 4,600,000 | 6,125,000 |
| Provision for loan losses | 750,000 | 1,850,000 | 2,850,000 | 3,900,000 |
| Pretax income | 1,659,000 | 3,074,000 | 4,014,000 | 5,752,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,659,000 | 3,074,000 | 4,014,000 | 5,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,626,000 | 53,076,000 | 54,001,000 | 51,729,000 |
| Total capital | 55,977,000 | 57,551,000 | 58,388,000 | 56,420,000 |
| Risk-weighted assets | 347,515,000 | 356,485,000 | 349,375,000 | 374,901,000 |