Call reports 2025
WAYCROSS BANK & TRUST — 2025
What WAYCROSS BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 241,968,000 | 250,063,000 | 245,312,000 | 240,688,000 |
| Total loans | 140,201,000 | 137,239,000 | 129,114,000 | 132,329,000 |
| Allowance for loan losses | 2,343,000 | 2,339,000 | 2,345,000 | 2,352,000 |
| Securities available for sale | 78,596,000 | 78,189,000 | 83,795,000 | 85,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,137,000 | 228,690,000 | 221,109,000 | 216,493,000 |
| Interest-bearing deposits | 172,173,000 | 172,528,000 | 174,288,000 | 165,396,000 |
| Noninterest-bearing deposits | 48,964,000 | 56,162,000 | 46,821,000 | 51,097,000 |
| Equity capital | 16,919,000 | 17,451,000 | 20,108,000 | 20,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,916,000 | 5,793,000 | 8,707,000 | 11,555,000 |
| Interest expense | 1,028,000 | 1,995,000 | 3,013,000 | 3,950,000 |
| Net interest income | 1,888,000 | 3,798,000 | 5,694,000 | 7,605,000 |
| Noninterest income | 160,000 | 359,000 | 565,000 | 764,000 |
| Noninterest expense | 1,205,000 | 2,488,000 | 3,824,000 | 5,169,000 |
| Provision for loan losses | 43,000 | 64,000 | 74,000 | 74,000 |
| Pretax income | 800,000 | 1,586,000 | 2,342,000 | 3,107,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 800,000 | 1,586,000 | 2,342,000 | 3,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,018,000 | 28,544,000 | 29,170,000 | 28,767,000 |
| Total capital | 29,963,000 | 30,446,000 | 30,993,000 | 30,632,000 |
| Risk-weighted assets | 155,152,000 | 151,698,000 | 145,278,000 | 148,697,000 |