Call reports 2009
BANK OF CADIZ AND TRUST COMPANY — 2009
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,551,000 | 95,085,000 | 94,901,000 | 93,378,000 |
| Total loans | 65,886,000 | 67,544,000 | 67,974,000 | 70,144,000 |
| Allowance for loan losses | 677,000 | 709,000 | 719,000 | 699,000 |
| Securities available for sale | 9,014,000 | 8,487,000 | 8,015,000 | 12,318,000 |
| Securities held to maturity | 7,053,000 | 9,371,000 | 5,483,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,467,000 | 72,978,000 | 72,477,000 | 73,767,000 |
| Interest-bearing deposits | 62,216,000 | 63,203,000 | 63,441,000 | 64,980,000 |
| Noninterest-bearing deposits | 10,251,000 | 9,775,000 | 9,036,000 | 8,787,000 |
| Equity capital | 5,910,000 | 5,920,000 | 6,203,000 | 6,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,372,000 | 3,510,000 | 4,627,000 |
| Interest expense | 452,000 | 888,000 | 1,315,000 | 1,684,000 |
| Net interest income | 742,000 | 1,484,000 | 2,195,000 | 2,943,000 |
| Noninterest income | 160,000 | 352,000 | 539,000 | 743,000 |
| Noninterest expense | 816,000 | 1,649,000 | 2,530,000 | 3,331,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 175,000 |
| Pretax income | 102,000 | 174,000 | 193,000 | 259,000 |
| Income tax | 0 | -19,000 | -19,000 | -19,000 |
| Net income | 102,000 | 193,000 | 212,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,035,000 | 6,039,000 | 6,058,000 | 6,123,000 |
| Total capital | 6,727,000 | 6,757,000 | 6,829,000 | 6,839,000 |
| Risk-weighted assets | 63,357,000 | 64,433,000 | 63,678,000 | 65,117,000 |
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