Call reports 2021
WAYCROSS BANK & TRUST — 2021
What WAYCROSS BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 218,978,000 | 223,711,000 | 228,262,000 | 220,821,000 |
| Total loans | 93,550,000 | 96,791,000 | 97,491,000 | 92,610,000 |
| Allowance for loan losses | 1,985,000 | 1,985,000 | 1,984,000 | 1,983,000 |
| Securities available for sale | 76,413,000 | 82,116,000 | 93,139,000 | 101,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,277,000 | 198,787,000 | 202,955,000 | 197,229,000 |
| Interest-bearing deposits | 147,680,000 | 152,725,000 | 154,428,000 | 147,317,000 |
| Noninterest-bearing deposits | 47,597,000 | 46,062,000 | 48,527,000 | 49,912,000 |
| Equity capital | 22,218,000 | 23,402,000 | 23,947,000 | 22,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,384,000 | 2,910,000 | 4,406,000 | 5,924,000 |
| Interest expense | 78,000 | 151,000 | 213,000 | 266,000 |
| Net interest income | 1,306,000 | 2,759,000 | 4,193,000 | 5,658,000 |
| Noninterest income | 1,445,000 | 2,910,000 | 3,316,000 | 3,496,000 |
| Noninterest expense | 1,916,000 | 3,895,000 | 5,157,000 | 6,234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 851,000 | 1,795,000 | 2,381,000 | 2,949,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 851,000 | 1,795,000 | 2,381,000 | 2,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,311,000 | 22,895,000 | 23,301,000 | 22,881,000 |
| Total capital | 23,659,000 | 24,340,000 | 24,788,000 | 24,369,000 |
| Risk-weighted assets | 107,230,000 | 115,084,000 | 118,477,000 | 118,510,000 |