Call reports 2016
BANK OF CADIZ AND TRUST COMPANY — 2016
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,072,000 | 108,484,000 | 112,238,000 | 111,126,000 |
| Total loans | 62,575,000 | 61,986,000 | 62,958,000 | 62,747,000 |
| Allowance for loan losses | 530,000 | 530,000 | 534,000 | 615,000 |
| Securities available for sale | 33,765,000 | 35,160,000 | 34,685,000 | 32,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,102,000 | 93,235,000 | 96,989,000 | 96,865,000 |
| Interest-bearing deposits | 85,883,000 | 85,410,000 | 88,300,000 | 88,774,000 |
| Noninterest-bearing deposits | 8,219,000 | 7,825,000 | 8,689,000 | 8,091,000 |
| Equity capital | 9,367,000 | 9,608,000 | 9,567,000 | 8,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 993,000 | 1,980,000 | 2,967,000 | 3,965,000 |
| Interest expense | 133,000 | 263,000 | 397,000 | 533,000 |
| Net interest income | 860,000 | 1,717,000 | 2,570,000 | 3,432,000 |
| Noninterest income | 162,000 | 319,000 | 510,000 | 674,000 |
| Noninterest expense | 821,000 | 1,732,000 | 2,520,000 | 3,320,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 60,000 |
| Pretax income | 191,000 | 294,000 | 569,000 | 758,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 294,000 | 569,000 | 758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,143,000 | 9,158,000 | 9,133,000 | 9,322,000 |
| Total capital | 9,673,000 | 9,688,000 | 9,667,000 | 9,937,000 |
| Risk-weighted assets | 58,012,000 | 54,762,000 | 60,090,000 | 60,943,000 |