Call reports 2017
BANK OF CADIZ AND TRUST COMPANY — 2017
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 110,400,000 | 109,888,000 | 114,162,000 | 109,977,000 |
| Total loans | 61,788,000 | 63,844,000 | 63,880,000 | 62,350,000 |
| Allowance for loan losses | 574,000 | 613,000 | 608,000 | 603,000 |
| Securities available for sale | 33,384,000 | 31,599,000 | 30,541,000 | 31,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,756,000 | 94,816,000 | 99,044,000 | 95,036,000 |
| Interest-bearing deposits | 87,921,000 | 86,897,000 | 90,875,000 | 86,075,000 |
| Noninterest-bearing deposits | 7,835,000 | 7,919,000 | 8,169,000 | 8,961,000 |
| Equity capital | 9,063,000 | 9,426,000 | 9,456,000 | 9,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 991,000 | 2,023,000 | 3,046,000 | 4,098,000 |
| Interest expense | 136,000 | 275,000 | 420,000 | 563,000 |
| Net interest income | 855,000 | 1,748,000 | 2,626,000 | 3,535,000 |
| Noninterest income | 108,000 | 259,000 | 415,000 | 596,000 |
| Noninterest expense | 716,000 | 1,616,000 | 2,393,000 | 3,207,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 74,000 |
| Pretax income | 241,000 | 376,000 | 627,000 | 847,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 376,000 | 627,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,528,000 | 9,575,000 | 9,677,000 | 9,897,000 |
| Total capital | 10,102,000 | 10,188,000 | 10,285,000 | 10,500,000 |
| Risk-weighted assets | 60,325,000 | 60,999,000 | 62,143,000 | 60,849,000 |