Call reports 2018
BANK OF CADIZ AND TRUST COMPANY — 2018
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 112,892,000 | 106,301,000 | 106,428,000 | 103,088,000 |
| Total loans | 61,667,000 | 64,262,000 | 64,839,000 | 63,563,000 |
| Allowance for loan losses | 618,000 | 628,000 | 635,000 | 653,000 |
| Securities available for sale | 30,938,000 | 27,974,000 | 26,742,000 | 24,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,434,000 | 96,783,000 | 96,865,000 | 92,731,000 |
| Interest-bearing deposits | 90,260,000 | 88,184,000 | 88,543,000 | 83,930,000 |
| Noninterest-bearing deposits | 8,174,000 | 8,599,000 | 8,322,000 | 8,801,000 |
| Equity capital | 8,925,000 | 8,897,000 | 8,879,000 | 9,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,113,000 | 3,178,000 | 4,250,000 |
| Interest expense | 148,000 | 299,000 | 419,000 | 542,000 |
| Net interest income | 878,000 | 1,814,000 | 2,759,000 | 3,708,000 |
| Noninterest income | 164,000 | 292,000 | 434,000 | 641,000 |
| Noninterest expense | 793,000 | 1,685,000 | 2,455,000 | 3,273,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 60,000 |
| Pretax income | 234,000 | 396,000 | 698,000 | 1,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 396,000 | 698,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,906,000 | 9,981,000 | 10,113,000 | 10,428,000 |
| Total capital | 10,524,000 | 10,609,000 | 10,748,000 | 11,081,000 |
| Risk-weighted assets | 61,378,000 | 61,654,000 | 61,997,000 | 60,496,000 |