Call reports 2021
BANK OF CADIZ AND TRUST COMPANY — 2021
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 141,738,000 | 141,178,000 | 144,810,000 | 144,034,000 |
| Total loans | 61,946,000 | 61,661,000 | 61,508,000 | 58,647,000 |
| Allowance for loan losses | 606,000 | 622,000 | 639,000 | 634,000 |
| Securities available for sale | 48,904,000 | 57,553,000 | 57,808,000 | 62,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,660,000 | 129,850,000 | 133,489,000 | 133,269,000 |
| Interest-bearing deposits | 116,839,000 | 115,689,000 | 121,272,000 | 119,778,000 |
| Noninterest-bearing deposits | 13,821,000 | 14,161,000 | 12,217,000 | 13,491,000 |
| Equity capital | 10,334,000 | 10,521,000 | 10,516,000 | 10,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,924,000 | 2,944,000 | 3,926,000 |
| Interest expense | 192,000 | 367,000 | 534,000 | 693,000 |
| Net interest income | 750,000 | 1,557,000 | 2,410,000 | 3,233,000 |
| Noninterest income | 134,000 | 268,000 | 418,000 | 574,000 |
| Noninterest expense | 792,000 | 1,529,000 | 2,285,000 | 3,026,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 77,000 | 266,000 | 540,000 | 763,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 10,000 |
| Net income | 68,000 | 248,000 | 513,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,493,000 | 10,669,000 | 10,908,000 | 11,125,000 |
| Total capital | 11,099,000 | 11,291,000 | 11,547,000 | 11,759,000 |
| Risk-weighted assets | 68,587,000 | 68,746,000 | 69,199,000 | 66,867,000 |
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