Call reports 2013
WAYCROSS BANK & TRUST — 2013
What WAYCROSS BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 187,951,000 | 192,080,000 | 195,949,000 | 196,265,000 |
| Total loans | 121,652,000 | 126,334,000 | 126,976,000 | 129,616,000 |
| Allowance for loan losses | 1,679,000 | 1,866,000 | 1,716,000 | 1,779,000 |
| Securities available for sale | 45,704,000 | 41,372,000 | 43,282,000 | 47,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,330,000 | 174,481,000 | 178,304,000 | 178,789,000 |
| Interest-bearing deposits | 142,053,000 | 146,973,000 | 147,849,000 | 148,379,000 |
| Noninterest-bearing deposits | 27,277,000 | 27,508,000 | 30,455,000 | 30,410,000 |
| Equity capital | 17,696,000 | 16,648,000 | 16,671,000 | 16,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,575,000 | 5,368,000 | 7,201,000 |
| Interest expense | 215,000 | 412,000 | 594,000 | 766,000 |
| Net interest income | 1,562,000 | 3,163,000 | 4,774,000 | 6,435,000 |
| Noninterest income | 159,000 | 319,000 | 456,000 | 593,000 |
| Noninterest expense | 1,394,000 | 2,797,000 | 4,185,000 | 5,499,000 |
| Provision for loan losses | 101,000 | 304,000 | 480,000 | 675,000 |
| Pretax income | 232,000 | 388,000 | 572,000 | 861,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 388,000 | 572,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,018,000 | 17,174,000 | 17,358,000 | 17,646,000 |
| Total capital | 18,607,000 | 18,809,000 | 19,018,000 | 19,342,000 |
| Risk-weighted assets | 127,061,000 | 130,536,000 | 132,721,000 | 135,603,000 |