Call reports 2018
WAYCROSS BANK & TRUST — 2018
What WAYCROSS BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 162,662,000 | 158,987,000 | 165,781,000 | 157,805,000 |
| Total loans | 89,839,000 | 86,517,000 | 87,846,000 | 84,785,000 |
| Allowance for loan losses | 1,959,000 | 2,290,000 | 2,288,000 | 2,011,000 |
| Securities available for sale | 48,103,000 | 47,127,000 | 49,292,000 | 48,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,861,000 | 142,237,000 | 148,651,000 | 140,298,000 |
| Interest-bearing deposits | 108,104,000 | 108,449,000 | 118,559,000 | 106,066,000 |
| Noninterest-bearing deposits | 37,757,000 | 33,788,000 | 30,092,000 | 34,232,000 |
| Equity capital | 15,440,000 | 15,360,000 | 15,730,000 | 16,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,923,000 | 4,426,000 | 5,985,000 |
| Interest expense | 101,000 | 221,000 | 366,000 | 519,000 |
| Net interest income | 1,296,000 | 2,702,000 | 4,060,000 | 5,466,000 |
| Noninterest income | 936,000 | 1,887,000 | 2,837,000 | 3,806,000 |
| Noninterest expense | 1,572,000 | 3,148,000 | 4,682,000 | 6,248,000 |
| Provision for loan losses | 20,000 | 26,000 | 26,000 | -249,000 |
| Pretax income | 638,000 | 1,410,000 | 2,184,000 | 3,268,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 638,000 | 1,410,000 | 2,184,000 | 3,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,032,000 | 17,420,000 | 17,985,000 | 17,923,000 |
| Total capital | 18,248,000 | 18,586,000 | 19,191,000 | 19,080,000 |
| Risk-weighted assets | 96,529,000 | 92,151,000 | 95,388,000 | 91,698,000 |