Call reports 2016
WAYCROSS BANK & TRUST — 2016
What WAYCROSS BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 150,822,000 | 157,168,000 | 155,054,000 | 153,273,000 |
| Total loans | 86,897,000 | 88,207,000 | 92,150,000 | 90,450,000 |
| Allowance for loan losses | 1,657,000 | 1,706,000 | 1,759,000 | 1,810,000 |
| Securities available for sale | 43,612,000 | 42,522,000 | 46,903,000 | 44,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,847,000 | 140,347,000 | 137,793,000 | 137,676,000 |
| Interest-bearing deposits | 103,330,000 | 108,914,000 | 105,509,000 | 103,888,000 |
| Noninterest-bearing deposits | 31,517,000 | 31,433,000 | 32,284,000 | 33,788,000 |
| Equity capital | 14,916,000 | 15,648,000 | 15,972,000 | 14,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,520,000 | 3,818,000 | 5,139,000 |
| Interest expense | 97,000 | 195,000 | 295,000 | 392,000 |
| Net interest income | 1,142,000 | 2,325,000 | 3,523,000 | 4,747,000 |
| Noninterest income | 136,000 | 258,000 | 448,000 | 886,000 |
| Noninterest expense | 938,000 | 1,894,000 | 2,834,000 | 3,813,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 204,000 |
| Pretax income | 316,000 | 658,000 | 1,056,000 | 1,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 316,000 | 658,000 | 1,056,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,604,000 | 14,946,000 | 15,344,000 | 15,214,000 |
| Total capital | 15,738,000 | 16,096,000 | 16,553,000 | 16,392,000 |
| Risk-weighted assets | 90,167,000 | 91,451,000 | 96,206,000 | 93,601,000 |