Call reports 2015
BANK OF CADIZ AND TRUST COMPANY — 2015
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 106,908,000 | 107,037,000 | 109,100,000 | 107,848,000 |
| Total loans | 63,477,000 | 62,827,000 | 62,834,000 | 62,044,000 |
| Allowance for loan losses | 1,012,000 | 1,013,000 | 1,014,000 | 530,000 |
| Securities available for sale | 33,030,000 | 33,110,000 | 35,877,000 | 34,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,160,000 | 92,629,000 | 94,191,000 | 93,287,000 |
| Interest-bearing deposits | 83,161,000 | 83,490,000 | 85,081,000 | 84,647,000 |
| Noninterest-bearing deposits | 8,999,000 | 9,139,000 | 9,110,000 | 8,640,000 |
| Equity capital | 9,154,000 | 8,753,000 | 9,204,000 | 8,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,046,000 | 2,002,000 | 2,971,000 | 3,970,000 |
| Interest expense | 143,000 | 285,000 | 423,000 | 553,000 |
| Net interest income | 903,000 | 1,717,000 | 2,548,000 | 3,417,000 |
| Noninterest income | 150,000 | 311,000 | 470,000 | 631,000 |
| Noninterest expense | 777,000 | 1,614,000 | 2,412,000 | 3,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 260,000 |
| Pretax income | 313,000 | 454,000 | 646,000 | 570,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 313,000 | 454,000 | 646,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,031,000 | 9,085,000 | 9,277,000 | 9,051,000 |
| Total capital | 9,782,000 | 9,852,000 | 9,979,000 | 9,581,000 |
| Risk-weighted assets | 55,307,000 | 55,295,000 | 55,903,000 | 56,460,000 |