Call reports 2008
BANK OF CADIZ AND TRUST COMPANY — 2008
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,698,000 | 95,484,000 | 94,730,000 | 93,945,000 |
| Total loans | 58,749,000 | 61,470,000 | 63,999,000 | 65,535,000 |
| Allowance for loan losses | 696,000 | 686,000 | 610,000 | 654,000 |
| Securities available for sale | 31,110,000 | 24,934,000 | 19,556,000 | 14,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,573,000 | 70,454,000 | 72,635,000 | 71,422,000 |
| Interest-bearing deposits | 65,688,000 | 61,122,000 | 62,499,000 | 61,985,000 |
| Noninterest-bearing deposits | 9,885,000 | 9,332,000 | 10,136,000 | 9,437,000 |
| Equity capital | 7,874,000 | 6,654,000 | 5,800,000 | 6,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 3,016,000 | 4,416,000 | 5,709,000 |
| Interest expense | 691,000 | 1,301,000 | 1,836,000 | 2,348,000 |
| Net interest income | 826,000 | 1,715,000 | 2,580,000 | 3,361,000 |
| Noninterest income | 215,000 | 391,000 | 611,000 | 785,000 |
| Noninterest expense | 825,000 | 1,704,000 | 2,495,000 | 3,314,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 84,000 |
| Pretax income | 266,000 | 460,000 | -1,572,000 | -2,008,000 |
| Income tax | 0 | 0 | 0 | -19,000 |
| Net income | 266,000 | 460,000 | -1,572,000 | -1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,425,000 | 7,251,000 | 6,350,000 | 5,933,000 |
| Total capital | 8,121,000 | 7,937,000 | 6,960,000 | 6,587,000 |
| Risk-weighted assets | 64,772,000 | 65,176,000 | 65,825,000 | 64,482,000 |
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