Call reports 2005
WAYCROSS BANK & TRUST — 2005
What WAYCROSS BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,297,000 | 104,933,000 | 105,641,000 | 107,360,000 |
| Total loans | 59,101,000 | 63,225,000 | 65,569,000 | 61,094,000 |
| Allowance for loan losses | 599,000 | 599,000 | 618,000 | 618,000 |
| Securities available for sale | 23,864,000 | 23,479,000 | 22,463,000 | 22,616,000 |
| Securities held to maturity | 2,480,000 | 2,478,000 | 2,297,000 | 2,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,011,000 | 94,292,000 | 94,783,000 | 96,580,000 |
| Interest-bearing deposits | 76,406,000 | 79,509,000 | 79,365,000 | 80,678,000 |
| Noninterest-bearing deposits | 15,605,000 | 14,783,000 | 15,418,000 | 15,902,000 |
| Equity capital | 9,776,000 | 10,136,000 | 10,274,000 | 9,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,428,000 | 3,806,000 | 5,262,000 |
| Interest expense | 355,000 | 766,000 | 1,253,000 | 1,791,000 |
| Net interest income | 846,000 | 1,662,000 | 2,553,000 | 3,471,000 |
| Noninterest income | 116,000 | 242,000 | 354,000 | 466,000 |
| Noninterest expense | 607,000 | 1,226,000 | 1,842,000 | 2,460,000 |
| Provision for loan losses | 0 | 0 | 19,000 | 19,000 |
| Pretax income | 363,000 | 686,000 | 1,065,000 | 1,477,000 |
| Income tax | 111,000 | 205,000 | 324,000 | 452,000 |
| Net income | 252,000 | 481,000 | 741,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,047,000 | 10,276,000 | 10,536,000 | 10,320,000 |
| Total capital | 10,646,000 | 10,875,000 | 11,154,000 | 10,938,000 |
| Risk-weighted assets | 78,623,000 | 81,107,000 | 84,274,000 | 81,531,000 |