Call reports 2022
WISDOM HERITAGE BANK — 2022
What WISDOM HERITAGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 433,233,000 | 423,857,000 | 423,497,000 | 453,317,000 |
| Total loans | 242,520,000 | 207,903,000 | 210,140,000 | 242,622,000 |
| Allowance for loan losses | 5,581,000 | 5,674,000 | 5,830,000 | 5,916,000 |
| Securities available for sale | 133,402,000 | 140,640,000 | 160,571,000 | 162,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,449,000 | 368,800,000 | 361,926,000 | 361,764,000 |
| Interest-bearing deposits | 246,410,000 | 242,613,000 | 234,847,000 | 234,764,000 |
| Noninterest-bearing deposits | 128,039,000 | 126,187,000 | 127,079,000 | 127,000,000 |
| Equity capital | 57,335,000 | 53,907,000 | 50,869,000 | 53,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,432,000 | 7,089,000 | 10,994,000 | 15,688,000 |
| Interest expense | 280,000 | 543,000 | 923,000 | 1,876,000 |
| Net interest income | 3,152,000 | 6,546,000 | 10,071,000 | 13,812,000 |
| Noninterest income | 235,000 | 486,000 | 753,000 | 1,305,000 |
| Noninterest expense | 1,637,000 | 3,312,000 | 5,165,000 | 7,085,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,769,000 | 3,639,000 | 5,524,000 | 7,685,000 |
| Income tax | 0 | 395,000 | 407,000 | 384,000 |
| Net income | 1,769,000 | 3,244,000 | 5,117,000 | 7,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,497,000 | 63,984,000 | 64,370,000 | 66,565,000 |
| Total capital | 66,532,000 | 67,930,000 | 68,510,000 | 71,059,000 |
| Risk-weighted assets | 321,316,000 | 313,962,000 | 329,548,000 | 358,146,000 |