Call reports 2013
BANK OF CADIZ AND TRUST COMPANY — 2013
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,068,000 | 101,245,000 | 102,334,000 | 103,769,000 |
| Total loans | 66,114,000 | 63,771,000 | 64,302,000 | 63,980,000 |
| Allowance for loan losses | 842,000 | 826,000 | 826,000 | 824,000 |
| Securities available for sale | 28,359,000 | 27,426,000 | 28,469,000 | 31,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,883,000 | 87,527,000 | 88,728,000 | 89,504,000 |
| Interest-bearing deposits | 78,423,000 | 76,995,000 | 78,705,000 | 78,937,000 |
| Noninterest-bearing deposits | 11,460,000 | 10,532,000 | 10,023,000 | 10,567,000 |
| Equity capital | 8,626,000 | 8,105,000 | 7,956,000 | 7,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 1,936,000 | 2,887,000 | 3,882,000 |
| Interest expense | 177,000 | 352,000 | 516,000 | 675,000 |
| Net interest income | 803,000 | 1,584,000 | 2,371,000 | 3,207,000 |
| Noninterest income | 162,000 | 313,000 | 483,000 | 647,000 |
| Noninterest expense | 762,000 | 1,538,000 | 2,386,000 | 3,243,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 186,000 | 342,000 | 441,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 342,000 | 441,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,074,000 | 8,142,000 | 8,242,000 | 8,305,000 |
| Total capital | 8,890,000 | 8,918,000 | 9,023,000 | 9,111,000 |
| Risk-weighted assets | 58,855,000 | 56,083,000 | 56,917,000 | 58,112,000 |
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