Call reports 2017
WAYCROSS BANK & TRUST — 2017
What WAYCROSS BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 162,072,000 | 163,242,000 | 162,350,000 | 157,381,000 |
| Total loans | 87,402,000 | 83,865,000 | 83,538,000 | 85,321,000 |
| Allowance for loan losses | 1,864,000 | 1,904,000 | 1,916,000 | 1,939,000 |
| Securities available for sale | 48,292,000 | 50,415,000 | 54,203,000 | 52,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,789,000 | 146,064,000 | 144,586,000 | 140,508,000 |
| Interest-bearing deposits | 108,007,000 | 108,402,000 | 110,481,000 | 103,466,000 |
| Noninterest-bearing deposits | 37,782,000 | 37,662,000 | 34,105,000 | 37,042,000 |
| Equity capital | 15,053,000 | 15,890,000 | 16,395,000 | 15,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,345,000 | 2,708,000 | 4,099,000 | 5,520,000 |
| Interest expense | 92,000 | 194,000 | 297,000 | 407,000 |
| Net interest income | 1,253,000 | 2,514,000 | 3,802,000 | 5,113,000 |
| Noninterest income | 431,000 | 1,452,000 | 2,198,000 | 3,031,000 |
| Noninterest expense | 1,135,000 | 2,870,000 | 4,356,000 | 5,808,000 |
| Provision for loan losses | 54,000 | 99,000 | 113,000 | 135,000 |
| Pretax income | 496,000 | 998,000 | 1,533,000 | 2,203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 496,000 | 998,000 | 1,533,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,710,000 | 16,213,000 | 16,747,000 | 16,394,000 |
| Total capital | 16,856,000 | 17,333,000 | 17,872,000 | 17,557,000 |
| Risk-weighted assets | 90,973,000 | 88,791,000 | 89,189,000 | 92,297,000 |