Call reports 2023
WAYCROSS BANK & TRUST — 2023
What WAYCROSS BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 220,126,000 | 221,859,000 | 222,319,000 | 228,473,000 |
| Total loans | 109,550,000 | 115,873,000 | 124,225,000 | 124,761,000 |
| Allowance for loan losses | 2,068,000 | 2,086,000 | 2,114,000 | 2,134,000 |
| Securities available for sale | 84,624,000 | 82,765,000 | 77,806,000 | 79,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,321,000 | 203,639,000 | 207,825,000 | 210,969,000 |
| Interest-bearing deposits | 155,151,000 | 151,916,000 | 156,957,000 | 163,510,000 |
| Noninterest-bearing deposits | 48,170,000 | 51,723,000 | 50,868,000 | 47,459,000 |
| Equity capital | 11,381,000 | 11,461,000 | 9,861,000 | 12,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,991,000 | 4,202,000 | 6,549,000 | 9,064,000 |
| Interest expense | 347,000 | 935,000 | 1,712,000 | 2,650,000 |
| Net interest income | 1,644,000 | 3,267,000 | 4,837,000 | 6,414,000 |
| Noninterest income | 168,000 | 343,000 | 500,000 | 657,000 |
| Noninterest expense | 1,109,000 | 2,231,000 | 3,362,000 | 4,503,000 |
| Provision for loan losses | 18,000 | 36,000 | 68,000 | 101,000 |
| Pretax income | 685,000 | 1,343,000 | 1,907,000 | 2,467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 685,000 | 1,343,000 | 1,907,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,165,000 | 25,694,000 | 26,127,000 | 26,012,000 |
| Total capital | 26,786,000 | 27,385,000 | 27,918,000 | 27,776,000 |
| Risk-weighted assets | 129,188,000 | 134,819,000 | 142,893,000 | 140,749,000 |