Call reports 2006
WAYCROSS BANK & TRUST — 2006
What WAYCROSS BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 106,342,000 | 106,446,000 | 113,421,000 | 114,517,000 |
| Total loans | 56,431,000 | 61,452,000 | 58,394,000 | 58,361,000 |
| Allowance for loan losses | 619,000 | 619,000 | 615,000 | 621,000 |
| Securities available for sale | 27,284,000 | 28,434,000 | 28,709,000 | 29,143,000 |
| Securities held to maturity | 2,286,000 | 2,283,000 | 2,269,000 | 2,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,261,000 | 90,085,000 | 101,726,000 | 102,859,000 |
| Interest-bearing deposits | 78,300,000 | 76,001,000 | 85,349,000 | 84,907,000 |
| Noninterest-bearing deposits | 16,961,000 | 14,084,000 | 16,377,000 | 17,952,000 |
| Equity capital | 10,171,000 | 10,343,000 | 10,891,000 | 10,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 3,081,000 | 4,797,000 | 6,568,000 |
| Interest expense | 550,000 | 1,169,000 | 1,927,000 | 2,753,000 |
| Net interest income | 959,000 | 1,912,000 | 2,870,000 | 3,815,000 |
| Noninterest income | 114,000 | 241,000 | 385,000 | 505,000 |
| Noninterest expense | 644,000 | 1,296,000 | 1,948,000 | 2,605,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 429,000 | 857,000 | 1,307,000 | 1,709,000 |
| Income tax | 142,000 | 280,000 | 442,000 | 582,000 |
| Net income | 287,000 | 577,000 | 865,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,607,000 | 10,897,000 | 11,172,000 | 10,922,000 |
| Total capital | 11,226,000 | 11,516,000 | 11,787,000 | 11,543,000 |
| Risk-weighted assets | 77,533,000 | 81,763,000 | 81,299,000 | 82,421,000 |