Call reports 2020
WISDOM HERITAGE BANK — 2020
What WISDOM HERITAGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 396,579,000 | 419,660,000 | 415,946,000 | 420,698,000 |
| Total loans | 288,068,000 | 289,645,000 | 282,904,000 | 288,546,000 |
| Allowance for loan losses | 5,873,000 | 5,160,000 | 5,071,000 | 5,511,000 |
| Securities available for sale | 60,705,000 | 63,490,000 | 70,169,000 | 79,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,237,000 | 358,989,000 | 354,194,000 | 350,863,000 |
| Interest-bearing deposits | 251,232,000 | 260,050,000 | 259,805,000 | 248,940,000 |
| Noninterest-bearing deposits | 89,005,000 | 98,939,000 | 94,389,000 | 101,923,000 |
| Equity capital | 53,487,000 | 57,517,000 | 58,865,000 | 59,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,730,000 | 9,024,000 | 13,181,000 | 16,630,000 |
| Interest expense | 949,000 | 1,671,000 | 2,316,000 | 2,864,000 |
| Net interest income | 3,781,000 | 7,353,000 | 10,865,000 | 13,766,000 |
| Noninterest income | 241,000 | 437,000 | 640,000 | 802,000 |
| Noninterest expense | 1,673,000 | 3,303,000 | 5,070,000 | 6,924,000 |
| Provision for loan losses | 900,000 | 1,900,000 | 2,800,000 | 3,700,000 |
| Pretax income | 1,400,000 | 2,634,000 | 3,699,000 | 4,042,000 |
| Income tax | 0 | -1,000 | 8,000 | -15,000 |
| Net income | 1,400,000 | 2,635,000 | 3,691,000 | 4,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,345,000 | 55,592,000 | 56,657,000 | 57,039,000 |
| Total capital | 58,614,000 | 59,966,000 | 61,049,000 | 61,641,000 |
| Risk-weighted assets | 339,991,000 | 349,167,000 | 350,721,000 | 367,265,000 |