Call reports 2010
WAYCROSS BANK & TRUST — 2010
What WAYCROSS BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 133,671,000 | 133,369,000 | 136,231,000 | 135,315,000 |
| Total loans | 72,605,000 | 67,760,000 | 65,027,000 | 75,022,000 |
| Allowance for loan losses | 819,000 | 936,000 | 1,003,000 | 1,019,000 |
| Securities available for sale | 40,427,000 | 47,869,000 | 47,612,000 | 47,231,000 |
| Securities held to maturity | 270,000 | 270,000 | 270,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,983,000 | 119,221,000 | 122,109,000 | 122,344,000 |
| Interest-bearing deposits | 95,488,000 | 96,780,000 | 99,824,000 | 100,323,000 |
| Noninterest-bearing deposits | 24,495,000 | 22,441,000 | 22,285,000 | 22,021,000 |
| Equity capital | 12,837,000 | 13,284,000 | 13,224,000 | 12,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,842,000 | 4,211,000 | 5,573,000 |
| Interest expense | 348,000 | 712,000 | 1,061,000 | 1,369,000 |
| Net interest income | 1,051,000 | 2,130,000 | 3,150,000 | 4,204,000 |
| Noninterest income | 146,000 | 292,000 | 442,000 | 599,000 |
| Noninterest expense | 1,063,000 | 2,052,000 | 3,045,000 | 4,077,000 |
| Provision for loan losses | 44,000 | 169,000 | 293,000 | 323,000 |
| Pretax income | 90,000 | 205,000 | 505,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | 205,000 | 505,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,539,000 | 12,654,000 | 12,954,000 | 12,868,000 |
| Total capital | 13,358,000 | 13,590,000 | 13,957,000 | 13,887,000 |
| Risk-weighted assets | 94,836,000 | 88,529,000 | 86,059,000 | 93,285,000 |
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