Call reports 2012
BANK OF CADIZ AND TRUST COMPANY — 2012
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 110,096,000 | 109,935,000 | 105,383,000 | 104,659,000 |
| Total loans | 68,309,000 | 67,498,000 | 67,236,000 | 66,505,000 |
| Allowance for loan losses | 794,000 | 811,000 | 818,000 | 825,000 |
| Securities available for sale | 28,914,000 | 29,456,000 | 28,620,000 | 26,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,333,000 | 89,961,000 | 88,212,000 | 87,394,000 |
| Interest-bearing deposits | 79,623,000 | 79,369,000 | 77,937,000 | 77,855,000 |
| Noninterest-bearing deposits | 10,710,000 | 10,592,000 | 10,275,000 | 9,539,000 |
| Equity capital | 8,116,000 | 8,283,000 | 8,441,000 | 8,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,142,000 | 3,192,000 | 4,213,000 |
| Interest expense | 245,000 | 486,000 | 705,000 | 892,000 |
| Net interest income | 829,000 | 1,656,000 | 2,487,000 | 3,321,000 |
| Noninterest income | 185,000 | 361,000 | 529,000 | 683,000 |
| Noninterest expense | 859,000 | 1,654,000 | 2,506,000 | 3,289,000 |
| Provision for loan losses | 35,000 | 65,000 | 80,000 | 95,000 |
| Pretax income | 120,000 | 321,000 | 475,000 | 762,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | 321,000 | 475,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,533,000 | 7,647,000 | 7,801,000 | 8,088,000 |
| Total capital | 8,349,000 | 8,437,000 | 8,556,000 | 8,845,000 |
| Risk-weighted assets | 63,782,000 | 60,515,000 | 59,558,000 | 58,489,000 |
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