Call reports 2021
WISDOM HERITAGE BANK — 2021
What WISDOM HERITAGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 425,396,000 | 431,181,000 | 443,323,000 | 440,885,000 |
| Total loans | 275,251,000 | 258,105,000 | 250,136,000 | 255,041,000 |
| Allowance for loan losses | 6,142,000 | 6,964,000 | 7,229,000 | 6,089,000 |
| Securities available for sale | 79,892,000 | 91,053,000 | 111,273,000 | 122,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,374,000 | 365,455,000 | 376,475,000 | 378,343,000 |
| Interest-bearing deposits | 254,648,000 | 262,219,000 | 273,997,000 | 249,383,000 |
| Noninterest-bearing deposits | 106,726,000 | 103,236,000 | 102,478,000 | 128,960,000 |
| Equity capital | 60,588,000 | 62,596,000 | 64,128,000 | 61,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,152,000 | 7,780,000 | 11,520,000 | 15,411,000 |
| Interest expense | 437,000 | 828,000 | 1,229,000 | 1,605,000 |
| Net interest income | 3,715,000 | 6,952,000 | 10,291,000 | 13,806,000 |
| Noninterest income | 1,081,000 | 1,299,000 | 1,601,000 | 1,882,000 |
| Noninterest expense | 1,665,000 | 3,511,000 | 5,269,000 | 7,289,000 |
| Provision for loan losses | 900,000 | 900,000 | 900,000 | 900,000 |
| Pretax income | 2,196,000 | 3,855,000 | 5,775,000 | 7,530,000 |
| Income tax | 0 | 70,000 | 106,000 | 141,000 |
| Net income | 2,196,000 | 3,785,000 | 5,669,000 | 7,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,247,000 | 60,843,000 | 62,743,000 | 60,715,000 |
| Total capital | 63,762,000 | 64,938,000 | 66,686,000 | 64,795,000 |
| Risk-weighted assets | 359,583,000 | 324,763,000 | 312,175,000 | 324,440,000 |