Call reports 2004
WAYCROSS BANK & TRUST — 2004
What WAYCROSS BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,922,000 | 96,666,000 | 99,893,000 | 101,719,000 |
| Total loans | 60,251,000 | 56,030,000 | 55,531,000 | 55,263,000 |
| Allowance for loan losses | 599,000 | 603,000 | 601,000 | 599,000 |
| Securities available for sale | 24,749,000 | 23,326,000 | 25,586,000 | 27,023,000 |
| Securities held to maturity | 3,275,000 | 2,764,000 | 2,746,000 | 2,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,555,000 | 86,549,000 | 89,405,000 | 91,556,000 |
| Interest-bearing deposits | 76,999,000 | 74,149,000 | 75,643,000 | 77,114,000 |
| Noninterest-bearing deposits | 13,556,000 | 12,400,000 | 13,762,000 | 14,442,000 |
| Equity capital | 9,829,000 | 9,739,000 | 10,120,000 | 9,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,302,000 | 3,448,000 | 4,608,000 |
| Interest expense | 329,000 | 627,000 | 926,000 | 1,246,000 |
| Net interest income | 834,000 | 1,675,000 | 2,522,000 | 3,362,000 |
| Noninterest income | 113,000 | 258,000 | 376,000 | 499,000 |
| Noninterest expense | 578,000 | 1,161,000 | 1,752,000 | 2,361,000 |
| Provision for loan losses | 39,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | 332,000 | 731,000 | 1,105,000 | 1,459,000 |
| Income tax | 103,000 | 230,000 | 347,000 | 457,000 |
| Net income | 229,000 | 501,000 | 758,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,489,000 | 9,760,000 | 10,019,000 | 9,794,000 |
| Total capital | 10,088,000 | 10,363,000 | 10,620,000 | 10,393,000 |
| Risk-weighted assets | 73,321,000 | 69,988,000 | 70,381,000 | 74,284,000 |
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