Call reports 2012
WAYCROSS BANK & TRUST — 2012
What WAYCROSS BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 182,421,000 | 186,002,000 | 188,003,000 | 192,886,000 |
| Total loans | 110,592,000 | 114,019,000 | 114,642,000 | 119,749,000 |
| Allowance for loan losses | 1,400,000 | 1,440,000 | 1,523,000 | 1,625,000 |
| Securities available for sale | 46,979,000 | 51,620,000 | 52,264,000 | 51,170,000 |
| Securities held to maturity | 270,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,125,000 | 168,213,000 | 169,587,000 | 174,352,000 |
| Interest-bearing deposits | 139,825,000 | 141,229,000 | 144,695,000 | 144,650,000 |
| Noninterest-bearing deposits | 26,300,000 | 26,984,000 | 24,892,000 | 29,702,000 |
| Equity capital | 15,459,000 | 16,863,000 | 17,398,000 | 17,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,486,000 | 5,269,000 | 7,092,000 |
| Interest expense | 321,000 | 626,000 | 909,000 | 1,177,000 |
| Net interest income | 1,420,000 | 2,860,000 | 4,360,000 | 5,915,000 |
| Noninterest income | 134,000 | 271,000 | 427,000 | 561,000 |
| Noninterest expense | 1,278,000 | 2,569,000 | 3,858,000 | 5,176,000 |
| Provision for loan losses | 63,000 | 105,000 | 187,000 | 327,000 |
| Pretax income | 327,000 | 571,000 | 856,000 | 1,087,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 327,000 | 571,000 | 856,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,025,000 | 16,269,000 | 16,554,000 | 16,786,000 |
| Total capital | 16,425,000 | 17,709,000 | 18,073,000 | 18,378,000 |
| Risk-weighted assets | 119,431,000 | 120,169,000 | 121,518,000 | 127,367,000 |