Call reports 2022
WAYCROSS BANK & TRUST — 2022
What WAYCROSS BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 231,451,000 | 218,559,000 | 217,092,000 | 220,634,000 |
| Total loans | 101,314,000 | 100,618,000 | 112,419,000 | 107,500,000 |
| Allowance for loan losses | 1,983,000 | 1,980,000 | 1,985,000 | 2,053,000 |
| Securities available for sale | 94,588,000 | 90,498,000 | 88,540,000 | 87,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,273,000 | 206,803,000 | 205,801,000 | 209,001,000 |
| Interest-bearing deposits | 167,218,000 | 157,072,000 | 155,908,000 | 158,650,000 |
| Noninterest-bearing deposits | 46,055,000 | 49,731,000 | 49,893,000 | 50,351,000 |
| Equity capital | 16,978,000 | 10,487,000 | 9,894,000 | 10,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,145,000 | 4,966,000 | 7,202,000 |
| Interest expense | 47,000 | 102,000 | 201,000 | 409,000 |
| Net interest income | 1,472,000 | 3,043,000 | 4,765,000 | 6,793,000 |
| Noninterest income | 178,000 | 347,000 | 512,000 | 668,000 |
| Noninterest expense | 1,091,000 | 2,196,000 | 3,334,000 | 4,468,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 85,000 |
| Pretax income | 559,000 | 1,196,000 | 1,935,000 | 2,910,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 559,000 | 1,196,000 | 1,935,000 | 2,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,440,000 | 23,817,000 | 24,426,000 | 24,525,000 |
| Total capital | 25,054,000 | 25,409,000 | 26,114,000 | 26,156,000 |
| Risk-weighted assets | 128,747,000 | 126,977,000 | 134,776,000 | 130,026,000 |