Call reports 2020
WAYCROSS BANK & TRUST — 2020
What WAYCROSS BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 187,962,000 | 210,915,000 | 220,249,000 | 211,721,000 |
| Total loans | 86,578,000 | 83,615,000 | 81,502,000 | 90,781,000 |
| Allowance for loan losses | 2,000,000 | 1,988,000 | 1,988,000 | 1,985,000 |
| Securities available for sale | 56,376,000 | 62,499,000 | 71,857,000 | 74,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,782,000 | 187,227,000 | 195,593,000 | 186,998,000 |
| Interest-bearing deposits | 133,344,000 | 139,818,000 | 154,934,000 | 141,767,000 |
| Noninterest-bearing deposits | 32,438,000 | 47,409,000 | 40,659,000 | 45,231,000 |
| Equity capital | 20,825,000 | 22,271,000 | 23,158,000 | 23,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 2,982,000 | 4,377,000 | 5,788,000 |
| Interest expense | 202,000 | 355,000 | 474,000 | 574,000 |
| Net interest income | 1,344,000 | 2,627,000 | 3,903,000 | 5,214,000 |
| Noninterest income | 1,103,000 | 2,198,000 | 3,388,000 | 4,589,000 |
| Noninterest expense | 1,734,000 | 3,513,000 | 5,303,000 | 6,987,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 752,000 | 1,353,000 | 2,052,000 | 2,883,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 752,000 | 1,353,000 | 2,052,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,154,000 | 20,755,000 | 21,454,000 | 21,576,000 |
| Total capital | 21,366,000 | 21,928,000 | 22,619,000 | 22,873,000 |
| Risk-weighted assets | 96,154,000 | 93,017,000 | 92,411,000 | 103,072,000 |