Call reports 2019
BANK OF CADIZ AND TRUST COMPANY — 2019
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 108,149,000 | 112,621,000 | 117,599,000 | 114,282,000 |
| Total loans | 64,072,000 | 64,605,000 | 63,852,000 | 64,049,000 |
| Allowance for loan losses | 662,000 | 572,000 | 588,000 | 602,000 |
| Securities available for sale | 26,168,000 | 27,856,000 | 31,743,000 | 34,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,559,000 | 101,306,000 | 106,469,000 | 102,984,000 |
| Interest-bearing deposits | 88,440,000 | 92,478,000 | 96,585,000 | 94,444,000 |
| Noninterest-bearing deposits | 9,119,000 | 8,828,000 | 9,884,000 | 8,540,000 |
| Equity capital | 9,983,000 | 10,589,000 | 10,287,000 | 10,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,224,000 | 3,376,000 | 4,529,000 |
| Interest expense | 155,000 | 335,000 | 568,000 | 810,000 |
| Net interest income | 939,000 | 1,889,000 | 2,808,000 | 3,719,000 |
| Noninterest income | 156,000 | 293,000 | 434,000 | 570,000 |
| Noninterest expense | 810,000 | 1,664,000 | 2,472,000 | 3,289,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 270,000 | 488,000 | 734,000 | 949,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 270,000 | 488,000 | 734,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,418,000 | 10,536,000 | 10,181,000 | 10,397,000 |
| Total capital | 11,080,000 | 11,108,000 | 10,769,000 | 10,999,000 |
| Risk-weighted assets | 61,629,000 | 62,310,000 | 63,969,000 | 63,579,000 |
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