Call reports 2022
BANK OF CADIZ AND TRUST COMPANY — 2022
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 146,462,000 | 140,083,000 | 137,275,000 | 135,192,000 |
| Total loans | 58,460,000 | 59,045,000 | 61,349,000 | 62,671,000 |
| Allowance for loan losses | 652,000 | 668,000 | 685,000 | 700,000 |
| Securities available for sale | 60,410,000 | 64,133,000 | 61,909,000 | 59,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,774,000 | 136,580,000 | 135,919,000 | 133,435,000 |
| Interest-bearing deposits | 127,052,000 | 124,597,000 | 122,965,000 | 118,375,000 |
| Noninterest-bearing deposits | 12,722,000 | 11,983,000 | 12,954,000 | 15,060,000 |
| Equity capital | 5,984,000 | 2,736,000 | 534,000 | 185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 2,039,000 | 3,229,000 | 4,474,000 |
| Interest expense | 151,000 | 302,000 | 448,000 | 618,000 |
| Net interest income | 821,000 | 1,737,000 | 2,781,000 | 3,856,000 |
| Noninterest income | 145,000 | 278,000 | 422,000 | 558,000 |
| Noninterest expense | 825,000 | 1,585,000 | 2,423,000 | 3,092,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 126,000 | 400,000 | 735,000 | 1,262,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 123,000 | 397,000 | 732,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,978,000 | 11,217,000 | 11,512,000 | 11,989,000 |
| Total capital | 11,630,000 | 11,885,000 | 12,197,000 | 12,689,000 |
| Risk-weighted assets | 67,705,000 | 66,948,000 | 68,277,000 | 69,162,000 |
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