Call reports 2011
WAYCROSS BANK & TRUST — 2011
What WAYCROSS BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 149,188,000 | 156,242,000 | 162,777,000 | 176,768,000 |
| Total loans | 88,237,000 | 95,321,000 | 101,931,000 | 105,274,000 |
| Allowance for loan losses | 1,057,000 | 1,178,000 | 1,279,000 | 1,336,000 |
| Securities available for sale | 43,720,000 | 43,284,000 | 45,605,000 | 47,285,000 |
| Securities held to maturity | 270,000 | 270,000 | 270,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,678,000 | 140,771,000 | 146,673,000 | 160,087,000 |
| Interest-bearing deposits | 107,758,000 | 114,159,000 | 120,586,000 | 134,854,000 |
| Noninterest-bearing deposits | 26,920,000 | 26,612,000 | 26,087,000 | 25,233,000 |
| Equity capital | 13,659,000 | 14,589,000 | 15,136,000 | 15,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 3,040,000 | 4,713,000 | 6,444,000 |
| Interest expense | 291,000 | 576,000 | 869,000 | 1,183,000 |
| Net interest income | 1,160,000 | 2,464,000 | 3,844,000 | 5,261,000 |
| Noninterest income | 150,000 | 294,000 | 467,000 | 725,000 |
| Noninterest expense | 1,023,000 | 2,114,000 | 3,248,000 | 4,467,000 |
| Provision for loan losses | 51,000 | 172,000 | 276,000 | 337,000 |
| Pretax income | 236,000 | 472,000 | 787,000 | 1,182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 472,000 | 787,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,104,000 | 14,340,000 | 14,655,000 | 15,050,000 |
| Total capital | 15,161,000 | 15,518,000 | 15,934,000 | 16,386,000 |
| Risk-weighted assets | 104,668,000 | 112,390,000 | 108,404,000 | 114,783,000 |