Call reports 2023
WISDOM HERITAGE BANK — 2023
What WISDOM HERITAGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 457,539,000 | 437,626,000 | 467,015,000 | 485,992,000 |
| Total loans | 243,057,000 | 234,255,000 | 238,261,000 | 257,660,000 |
| Allowance for loan losses | 5,788,000 | 6,060,000 | 5,562,000 | 5,339,000 |
| Securities available for sale | 157,062,000 | 153,726,000 | 159,658,000 | 178,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,118,000 | 358,273,000 | 386,203,000 | 411,952,000 |
| Interest-bearing deposits | 262,356,000 | 255,722,000 | 281,903,000 | 298,212,000 |
| Noninterest-bearing deposits | 116,762,000 | 102,551,000 | 104,300,000 | 113,740,000 |
| Equity capital | 53,866,000 | 54,889,000 | 55,848,000 | 55,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,547,000 | 11,706,000 | 18,559,000 | 26,111,000 |
| Interest expense | 1,634,000 | 3,576,000 | 6,323,000 | 9,162,000 |
| Net interest income | 3,913,000 | 8,130,000 | 12,236,000 | 16,949,000 |
| Noninterest income | 265,000 | 519,000 | 807,000 | 940,000 |
| Noninterest expense | 1,940,000 | 3,882,000 | 5,819,000 | 7,902,000 |
| Provision for loan losses | 0 | 0 | -587,000 | -790,000 |
| Pretax income | 2,215,000 | 4,634,000 | 7,678,000 | 9,948,000 |
| Income tax | 0 | 0 | -7,000 | -15,000 |
| Net income | 2,215,000 | 4,634,000 | 7,685,000 | 9,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,092,000 | 67,524,000 | 70,575,000 | 66,489,000 |
| Total capital | 69,698,000 | 72,044,000 | 75,304,000 | 71,580,000 |
| Risk-weighted assets | 367,342,000 | 360,072,000 | 377,529,000 | 407,093,000 |