Call reports 2024
WISDOM HERITAGE BANK — 2024
What WISDOM HERITAGE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 509,585,000 | 493,904,000 | 505,587,000 | 580,356,000 |
| Total loans | 259,283,000 | 238,681,000 | 239,515,000 | 306,419,000 |
| Allowance for loan losses | 5,464,000 | 4,959,000 | 4,947,000 | 5,564,000 |
| Securities available for sale | 195,607,000 | 192,441,000 | 194,984,000 | 211,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,837,000 | 405,754,000 | 411,512,000 | 482,643,000 |
| Interest-bearing deposits | 304,015,000 | 300,846,000 | 312,722,000 | 351,530,000 |
| Noninterest-bearing deposits | 118,822,000 | 104,908,000 | 98,790,000 | 131,113,000 |
| Equity capital | 58,741,000 | 62,169,000 | 67,908,000 | 70,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,827,000 | 15,666,000 | 23,191,000 | 35,535,000 |
| Interest expense | 3,317,000 | 6,643,000 | 10,151,000 | 15,810,000 |
| Net interest income | 4,510,000 | 9,023,000 | 13,040,000 | 19,725,000 |
| Noninterest income | 335,000 | 691,000 | 1,093,000 | 1,710,000 |
| Noninterest expense | 1,717,000 | 3,852,000 | 6,058,000 | 10,692,000 |
| Provision for loan losses | 0 | -471,000 | -471,000 | -471,000 |
| Pretax income | 2,956,000 | 6,173,000 | 8,449,000 | 10,686,000 |
| Income tax | 0 | 0 | 222,000 | 267,000 |
| Net income | 2,956,000 | 6,173,000 | 8,227,000 | 10,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,448,000 | 72,662,000 | 74,716,000 | 82,102,000 |
| Total capital | 74,676,000 | 77,061,000 | 78,780,000 | 87,115,000 |
| Risk-weighted assets | 418,083,000 | 351,377,000 | 324,253,000 | 400,497,000 |