Call reports 2019
WAYCROSS BANK & TRUST — 2019
What WAYCROSS BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 163,117,000 | 170,230,000 | 179,346,000 | 176,305,000 |
| Total loans | 83,027,000 | 81,215,000 | 81,849,000 | 85,636,000 |
| Allowance for loan losses | 2,009,000 | 2,009,000 | 2,008,000 | 2,006,000 |
| Securities available for sale | 50,266,000 | 54,329,000 | 56,500,000 | 57,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,159,000 | 149,833,000 | 158,375,000 | 155,215,000 |
| Interest-bearing deposits | 112,991,000 | 116,832,000 | 124,467,000 | 125,399,000 |
| Noninterest-bearing deposits | 31,168,000 | 33,001,000 | 33,908,000 | 29,816,000 |
| Equity capital | 17,613,000 | 19,007,000 | 19,533,000 | 19,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 3,003,000 | 4,605,000 | 6,200,000 |
| Interest expense | 150,000 | 332,000 | 539,000 | 748,000 |
| Net interest income | 1,328,000 | 2,671,000 | 4,066,000 | 5,452,000 |
| Noninterest income | 1,091,000 | 2,142,000 | 3,199,000 | 4,286,000 |
| Noninterest expense | 1,767,000 | 3,513,000 | 5,177,000 | 6,880,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 652,000 | 1,301,000 | 2,098,000 | 2,867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 652,000 | 1,301,000 | 2,098,000 | 2,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,575,000 | 18,854,000 | 19,490,000 | 19,402,000 |
| Total capital | 19,733,000 | 19,998,000 | 20,634,000 | 20,609,000 |
| Risk-weighted assets | 91,780,000 | 90,646,000 | 90,684,000 | 95,774,000 |