Call reports 2003
WAYCROSS BANK & TRUST — 2003
What WAYCROSS BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,385,000 | 97,374,000 | 99,347,000 | 99,741,000 |
| Total loans | 49,111,000 | 52,044,000 | 55,333,000 | 55,883,000 |
| Allowance for loan losses | 513,000 | 520,000 | 548,000 | 558,000 |
| Securities available for sale | 24,923,000 | 24,369,000 | 25,558,000 | 25,325,000 |
| Securities held to maturity | 2,927,000 | 2,438,000 | 2,331,000 | 3,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,154,000 | 86,715,000 | 88,968,000 | 89,680,000 |
| Interest-bearing deposits | 74,948,000 | 76,352,000 | 76,605,000 | 77,911,000 |
| Noninterest-bearing deposits | 11,206,000 | 10,363,000 | 12,363,000 | 11,769,000 |
| Equity capital | 9,599,000 | 9,843,000 | 9,881,000 | 9,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,402,000 | 3,594,000 | 4,763,000 |
| Interest expense | 453,000 | 887,000 | 1,279,000 | 1,641,000 |
| Net interest income | 775,000 | 1,515,000 | 2,315,000 | 3,122,000 |
| Noninterest income | 103,000 | 205,000 | 317,000 | 423,000 |
| Noninterest expense | 541,000 | 1,074,000 | 1,623,000 | 2,149,000 |
| Provision for loan losses | 0 | 10,000 | 37,000 | 47,000 |
| Pretax income | 337,000 | 640,000 | 976,000 | 1,353,000 |
| Income tax | 106,000 | 199,000 | 299,000 | 419,000 |
| Net income | 231,000 | 441,000 | 677,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,082,000 | 9,292,000 | 9,528,000 | 9,260,000 |
| Total capital | 9,595,000 | 9,812,000 | 10,076,000 | 9,818,000 |
| Risk-weighted assets | 55,797,000 | 58,587,000 | 68,958,000 | 69,905,000 |