Call reports 2011
BANK OF CADIZ AND TRUST COMPANY — 2011
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 106,762,000 | 106,126,000 | 106,561,000 | 104,590,000 |
| Total loans | 68,870,000 | 69,746,000 | 70,645,000 | 69,846,000 |
| Allowance for loan losses | 768,000 | 691,000 | 734,000 | 759,000 |
| Securities available for sale | 25,321,000 | 24,956,000 | 24,479,000 | 23,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,265,000 | 86,933,000 | 86,681,000 | 84,585,000 |
| Interest-bearing deposits | 76,200,000 | 76,548,000 | 76,509,000 | 75,413,000 |
| Noninterest-bearing deposits | 12,065,000 | 10,384,000 | 10,172,000 | 9,172,000 |
| Equity capital | 6,844,000 | 7,512,000 | 8,136,000 | 8,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,216,000 | 3,360,000 | 4,465,000 |
| Interest expense | 274,000 | 542,000 | 804,000 | 1,059,000 |
| Net interest income | 818,000 | 1,674,000 | 2,556,000 | 3,406,000 |
| Noninterest income | 185,000 | 383,000 | 637,000 | 861,000 |
| Noninterest expense | 798,000 | 1,564,000 | 2,378,000 | 3,133,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 175,000 | 419,000 | 696,000 | 984,000 |
| Income tax | -19,000 | -19,000 | -19,000 | -19,000 |
| Net income | 194,000 | 438,000 | 715,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,891,000 | 7,048,000 | 7,325,000 | 7,613,000 |
| Total capital | 7,708,000 | 7,805,000 | 8,112,000 | 8,402,000 |
| Risk-weighted assets | 62,570,000 | 62,836,000 | 63,055,000 | 62,530,000 |
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