Call reports 2019
WISDOM HERITAGE BANK — 2019
What WISDOM HERITAGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 417,081,000 | 398,291,000 | 405,622,000 | 410,866,000 |
| Total loans | 327,241,000 | 303,432,000 | 293,341,000 | 304,798,000 |
| Allowance for loan losses | 5,789,000 | 5,836,000 | 5,764,000 | 5,385,000 |
| Securities available for sale | 64,444,000 | 65,163,000 | 69,167,000 | 68,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,525,000 | 339,923,000 | 348,144,000 | 341,744,000 |
| Interest-bearing deposits | 252,924,000 | 263,410,000 | 264,198,000 | 251,963,000 |
| Noninterest-bearing deposits | 81,601,000 | 76,513,000 | 83,946,000 | 89,781,000 |
| Equity capital | 53,320,000 | 55,311,000 | 54,524,000 | 53,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,057,000 | 10,334,000 | 15,038,000 | 20,078,000 |
| Interest expense | 1,051,000 | 2,161,000 | 3,248,000 | 4,293,000 |
| Net interest income | 4,006,000 | 8,173,000 | 11,790,000 | 15,785,000 |
| Noninterest income | 156,000 | 278,000 | 392,000 | 682,000 |
| Noninterest expense | 1,353,000 | 3,142,000 | 4,762,000 | 6,722,000 |
| Provision for loan losses | 1,150,000 | 2,350,000 | 5,425,000 | 5,825,000 |
| Pretax income | 1,660,000 | 2,960,000 | 2,000,000 | 3,935,000 |
| Income tax | 0 | 54,000 | 64,000 | 74,000 |
| Net income | 1,660,000 | 2,906,000 | 1,936,000 | 3,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,434,000 | 54,708,000 | 53,747,000 | 52,934,000 |
| Total capital | 58,131,000 | 59,052,000 | 57,941,000 | 57,380,000 |
| Risk-weighted assets | 374,716,000 | 346,080,000 | 334,023,000 | 354,798,000 |