Call reports 2024
WAYCROSS BANK & TRUST — 2024
What WAYCROSS BANK & TRUST reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 234,650,000 | 242,914,000 | 246,430,000 | 254,546,000 |
| Total loans | 126,469,000 | 136,721,000 | 139,756,000 | 143,931,000 |
| Allowance for loan losses | 2,164,000 | 2,196,000 | 2,238,000 | 2,305,000 |
| Securities available for sale | 78,306,000 | 77,176,000 | 78,734,000 | 76,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,574,000 | 225,005,000 | 224,663,000 | 235,507,000 |
| Interest-bearing deposits | 173,136,000 | 172,547,000 | 176,498,000 | 185,295,000 |
| Noninterest-bearing deposits | 47,438,000 | 52,458,000 | 48,165,000 | 50,212,000 |
| Equity capital | 12,541,000 | 13,812,000 | 17,496,000 | 14,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,315,000 | 8,240,000 | 11,236,000 |
| Interest expense | 1,080,000 | 2,210,000 | 3,417,000 | 4,582,000 |
| Net interest income | 1,486,000 | 3,105,000 | 4,823,000 | 6,654,000 |
| Noninterest income | 176,000 | 331,000 | 488,000 | 627,000 |
| Noninterest expense | 1,180,000 | 2,328,000 | 3,493,000 | 4,903,000 |
| Provision for loan losses | 33,000 | 66,000 | 130,000 | 199,000 |
| Pretax income | 449,000 | 1,032,000 | 1,673,000 | 2,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 449,000 | 1,032,000 | 1,673,000 | 2,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,462,000 | 26,784,000 | 27,295,000 | 27,218,000 |
| Total capital | 28,289,000 | 28,708,000 | 29,259,000 | 29,232,000 |
| Risk-weighted assets | 145,782,000 | 153,606,000 | 156,818,000 | 160,770,000 |
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