Call reports 2007
WAYCROSS BANK & TRUST — 2007
What WAYCROSS BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,115,000 | 105,678,000 | 109,752,000 | 107,683,000 |
| Total loans | 60,936,000 | 61,618,000 | 56,989,000 | 55,018,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 29,108,000 | 28,818,000 | 29,457,000 | 31,879,000 |
| Securities held to maturity | 2,090,000 | 2,090,000 | 1,991,000 | 1,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,234,000 | 93,211,000 | 97,156,000 | 95,230,000 |
| Interest-bearing deposits | 84,812,000 | 78,927,000 | 80,567,000 | 78,740,000 |
| Noninterest-bearing deposits | 15,422,000 | 14,284,000 | 16,589,000 | 16,490,000 |
| Equity capital | 11,028,000 | 11,197,000 | 11,668,000 | 11,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,737,000 | 3,485,000 | 5,235,000 | 6,932,000 |
| Interest expense | 763,000 | 1,553,000 | 2,352,000 | 3,110,000 |
| Net interest income | 974,000 | 1,932,000 | 2,883,000 | 3,822,000 |
| Noninterest income | 134,000 | 269,000 | 391,000 | 550,000 |
| Noninterest expense | 678,000 | 1,352,000 | 2,032,000 | 2,691,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 430,000 | 838,000 | 1,231,000 | 1,674,000 |
| Income tax | 153,000 | 297,000 | 437,000 | 595,000 |
| Net income | 277,000 | 541,000 | 794,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,199,000 | 11,463,000 | 11,715,000 | 11,437,000 |
| Total capital | 11,820,000 | 12,084,000 | 12,336,000 | 12,058,000 |
| Risk-weighted assets | 82,350,000 | 81,424,000 | 78,483,000 | 77,230,000 |