Call reports 2015
WAYCROSS BANK & TRUST — 2015
What WAYCROSS BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 147,387,000 | 149,105,000 | 148,149,000 | 149,976,000 |
| Total loans | 81,730,000 | 81,402,000 | 83,229,000 | 82,741,000 |
| Allowance for loan losses | 1,434,000 | 1,494,000 | 1,545,000 | 1,606,000 |
| Securities available for sale | 39,173,000 | 41,392,000 | 45,297,000 | 42,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,277,000 | 133,906,000 | 130,911,000 | 134,491,000 |
| Interest-bearing deposits | 101,589,000 | 103,691,000 | 100,740,000 | 102,326,000 |
| Noninterest-bearing deposits | 30,688,000 | 30,215,000 | 30,171,000 | 32,165,000 |
| Equity capital | 14,258,000 | 14,261,000 | 14,773,000 | 14,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,296,000 | 3,484,000 | 4,682,000 |
| Interest expense | 87,000 | 178,000 | 275,000 | 373,000 |
| Net interest income | 1,047,000 | 2,118,000 | 3,209,000 | 4,309,000 |
| Noninterest income | 130,000 | 268,000 | 404,000 | 697,000 |
| Noninterest expense | 880,000 | 1,760,000 | 2,663,000 | 3,666,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 232,000 |
| Pretax income | 241,000 | 512,000 | 787,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 512,000 | 787,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,014,000 | 14,285,000 | 14,560,000 | 14,288,000 |
| Total capital | 15,119,000 | 15,394,000 | 15,659,000 | 15,378,000 |
| Risk-weighted assets | 88,101,000 | 88,312,000 | 87,510,000 | 86,667,000 |