Call reports 2009
WAYCROSS BANK & TRUST — 2009
What WAYCROSS BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 112,556,000 | 109,441,000 | 116,289,000 | 122,066,000 |
| Total loans | 64,549,000 | 63,872,000 | 63,460,000 | 71,909,000 |
| Allowance for loan losses | 685,000 | 658,000 | 658,000 | 773,000 |
| Securities available for sale | 29,439,000 | 30,441,000 | 31,618,000 | 33,610,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,823,000 | 96,010,000 | 102,681,000 | 109,607,000 |
| Interest-bearing deposits | 83,468,000 | 80,294,000 | 87,672,000 | 84,775,000 |
| Noninterest-bearing deposits | 15,355,000 | 15,716,000 | 15,009,000 | 24,832,000 |
| Equity capital | 12,980,000 | 12,559,000 | 12,652,000 | 11,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,547,000 | 3,794,000 | 5,170,000 |
| Interest expense | 402,000 | 781,000 | 1,158,000 | 1,523,000 |
| Net interest income | 900,000 | 1,766,000 | 2,636,000 | 3,647,000 |
| Noninterest income | 141,000 | 296,000 | 437,000 | 567,000 |
| Noninterest expense | 664,000 | 1,411,000 | 2,301,000 | 3,314,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 144,000 |
| Pretax income | 448,000 | 738,000 | 859,000 | 869,000 |
| Income tax | 0 | 17,000 | 17,000 | 17,000 |
| Net income | 448,000 | 721,000 | 842,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,334,000 | 12,249,000 | 12,239,000 | 11,449,000 |
| Total capital | 13,019,000 | 12,907,000 | 12,897,000 | 12,222,000 |
| Risk-weighted assets | 83,055,000 | 81,840,000 | 81,972,000 | 92,428,000 |
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