Call reports 2005
BANK OF CADIZ AND TRUST COMPANY — 2005
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,119,000 | 92,876,000 | 95,553,000 | 95,824,000 |
| Total loans | 64,319,000 | 64,042,000 | 64,488,000 | 64,278,000 |
| Allowance for loan losses | 641,000 | 636,000 | 640,000 | 658,000 |
| Securities available for sale | 20,845,000 | 20,588,000 | 21,653,000 | 21,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,589,000 | 67,935,000 | 70,384,000 | 71,314,000 |
| Interest-bearing deposits | 58,485,000 | 58,114,000 | 60,097,000 | 59,539,000 |
| Noninterest-bearing deposits | 10,105,000 | 9,821,000 | 10,287,000 | 11,775,000 |
| Equity capital | 7,946,000 | 8,273,000 | 8,426,000 | 7,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,611,000 | 3,985,000 | 5,408,000 |
| Interest expense | 493,000 | 1,030,000 | 1,575,000 | 2,128,000 |
| Net interest income | 786,000 | 1,581,000 | 2,410,000 | 3,280,000 |
| Noninterest income | 154,000 | 316,000 | 490,000 | 650,000 |
| Noninterest expense | 657,000 | 1,374,000 | 2,020,000 | 2,769,000 |
| Provision for loan losses | 40,000 | 100,000 | 192,000 | 212,000 |
| Pretax income | 237,000 | 417,000 | 689,000 | 950,000 |
| Income tax | 49,000 | 74,000 | 134,000 | 194,000 |
| Net income | 188,000 | 343,000 | 555,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,927,000 | 8,089,000 | 8,311,000 | 7,992,000 |
| Total capital | 8,568,000 | 8,725,000 | 8,951,000 | 8,650,000 |
| Risk-weighted assets | 62,989,000 | 63,631,000 | 64,554,000 | 65,494,000 |
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