Call reports 2010
BANK OF CADIZ AND TRUST COMPANY — 2010
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,572,000 | 92,734,000 | 100,015,000 | 99,362,000 |
| Total loans | 69,676,000 | 71,852,000 | 70,969,000 | 69,487,000 |
| Allowance for loan losses | 734,000 | 740,000 | 687,000 | 736,000 |
| Securities available for sale | 12,080,000 | 10,642,000 | 17,406,000 | 19,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,457,000 | 74,467,000 | 81,466,000 | 81,154,000 |
| Interest-bearing deposits | 65,625,000 | 64,683,000 | 72,010,000 | 73,343,000 |
| Noninterest-bearing deposits | 9,832,000 | 9,784,000 | 9,456,000 | 7,811,000 |
| Equity capital | 6,492,000 | 6,578,000 | 6,802,000 | 6,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,171,000 | 3,273,000 | 4,401,000 |
| Interest expense | 317,000 | 612,000 | 905,000 | 1,197,000 |
| Net interest income | 761,000 | 1,559,000 | 2,368,000 | 3,204,000 |
| Noninterest income | 173,000 | 338,000 | 552,000 | 754,000 |
| Noninterest expense | 866,000 | 1,647,000 | 2,487,000 | 3,253,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 195,000 |
| Pretax income | 33,000 | 185,000 | 345,000 | 642,000 |
| Income tax | -19,000 | -19,000 | -19,000 | -19,000 |
| Net income | 52,000 | 204,000 | 364,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,175,000 | 6,240,000 | 6,400,000 | 6,697,000 |
| Total capital | 6,932,000 | 6,991,000 | 7,096,000 | 7,441,000 |
| Risk-weighted assets | 64,842,000 | 66,081,000 | 63,783,000 | 63,153,000 |
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