Call reports 2025
WISDOM HERITAGE BANK — 2025
What WISDOM HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 565,254,000 | 551,364,000 | 589,412,000 | 630,816,000 |
| Total loans | 299,686,000 | 279,055,000 | 284,536,000 | 330,937,000 |
| Allowance for loan losses | 5,732,000 | 5,581,000 | 5,748,000 | 4,638,000 |
| Securities available for sale | 202,478,000 | 212,264,000 | 240,199,000 | 233,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,141,000 | 467,557,000 | 481,625,000 | 528,720,000 |
| Interest-bearing deposits | 348,185,000 | 343,347,000 | 356,366,000 | 390,206,000 |
| Noninterest-bearing deposits | 124,956,000 | 124,210,000 | 125,259,000 | 138,514,000 |
| Equity capital | 74,457,000 | 77,380,000 | 83,076,000 | 76,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,602,000 | 16,649,000 | 24,654,000 | 32,889,000 |
| Interest expense | 3,508,000 | 6,874,000 | 10,199,000 | 13,793,000 |
| Net interest income | 5,094,000 | 9,775,000 | 14,455,000 | 19,096,000 |
| Noninterest income | 349,000 | 733,000 | 1,051,000 | 1,448,000 |
| Noninterest expense | 2,437,000 | 4,962,000 | 7,566,000 | 10,225,000 |
| Provision for loan losses | 0 | -302,000 | -302,000 | -1,502,000 |
| Pretax income | 3,107,000 | 6,140,000 | 8,623,000 | 12,380,000 |
| Income tax | 0 | -18,000 | -84,000 | 189,000 |
| Net income | 3,107,000 | 6,158,000 | 8,707,000 | 12,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,009,000 | 88,050,000 | 90,549,000 | 83,225,000 |
| Total capital | 89,779,000 | 92,670,000 | 95,544,000 | 87,863,000 |
| Risk-weighted assets | 380,644,000 | 368,668,000 | 398,896,000 | 423,268,000 |