Call reports 2007
BANK OF CADIZ AND TRUST COMPANY — 2007
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 97,709,000 | 95,382,000 | 99,588,000 | 97,024,000 |
| Total loans | 58,964,000 | 59,973,000 | 60,318,000 | 59,379,000 |
| Allowance for loan losses | 744,000 | 714,000 | 700,000 | 686,000 |
| Securities available for sale | 25,122,000 | 25,664,000 | 27,468,000 | 26,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,694,000 | 71,269,000 | 74,917,000 | 72,615,000 |
| Interest-bearing deposits | 62,829,000 | 61,643,000 | 64,938,000 | 62,652,000 |
| Noninterest-bearing deposits | 9,865,000 | 9,626,000 | 9,979,000 | 9,963,000 |
| Equity capital | 8,428,000 | 7,455,000 | 7,889,000 | 7,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,134,000 | 4,756,000 | 6,366,000 |
| Interest expense | 691,000 | 1,413,000 | 2,160,000 | 2,903,000 |
| Net interest income | 850,000 | 1,721,000 | 2,596,000 | 3,463,000 |
| Noninterest income | 167,000 | 384,000 | 576,000 | 813,000 |
| Noninterest expense | 723,000 | 1,563,000 | 2,348,000 | 3,227,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 294,000 | 542,000 | 787,000 | 1,012,000 |
| Income tax | -80,000 | -80,000 | -80,000 | -80,000 |
| Net income | 374,000 | 622,000 | 867,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,564,000 | 8,068,000 | 8,181,000 | 7,648,000 |
| Total capital | 9,308,000 | 8,782,000 | 8,881,000 | 8,334,000 |
| Risk-weighted assets | 63,552,000 | 64,300,000 | 66,479,000 | 64,278,000 |
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