Call reports 2008
WAYCROSS BANK & TRUST — 2008
What WAYCROSS BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 108,813,000 | 102,665,000 | 109,922,000 | 110,094,000 |
| Total loans | 57,573,000 | 59,851,000 | 60,857,000 | 65,602,000 |
| Allowance for loan losses | 621,000 | 619,000 | 619,000 | 659,000 |
| Securities available for sale | 32,617,000 | 26,472,000 | 29,929,000 | 29,838,000 |
| Securities held to maturity | 785,000 | 785,000 | 606,000 | 605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,600,000 | 90,189,000 | 97,119,000 | 96,468,000 |
| Interest-bearing deposits | 78,419,000 | 74,922,000 | 78,972,000 | 78,334,000 |
| Noninterest-bearing deposits | 17,181,000 | 15,267,000 | 18,147,000 | 18,134,000 |
| Equity capital | 12,490,000 | 11,744,000 | 12,050,000 | 12,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 2,986,000 | 4,370,000 | 5,700,000 |
| Interest expense | 641,000 | 1,174,000 | 1,660,000 | 2,127,000 |
| Net interest income | 925,000 | 1,812,000 | 2,710,000 | 3,573,000 |
| Noninterest income | 135,000 | 276,000 | 419,000 | 564,000 |
| Noninterest expense | 682,000 | 1,337,000 | 1,980,000 | 2,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 391,000 | 781,000 | 1,183,000 | 1,488,000 |
| Income tax | 0 | 162,000 | 162,000 | 162,000 |
| Net income | 391,000 | 619,000 | 1,021,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,828,000 | 11,764,000 | 12,005,000 | 11,885,000 |
| Total capital | 12,449,000 | 12,383,000 | 12,624,000 | 12,544,000 |
| Risk-weighted assets | 79,571,000 | 79,930,000 | 83,455,000 | 83,126,000 |
Machine access — free, no API key
Every figure shown here about WAYCROSS BANK & TRUST — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.