Call reports 2023
BANK OF CADIZ AND TRUST COMPANY — 2023
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 135,658,000 | 135,947,000 | 139,517,000 | 135,377,000 |
| Total loans | 64,632,000 | 64,040,000 | 65,397,000 | 65,163,000 |
| Allowance for loan losses | 717,000 | 733,000 | 749,000 | 759,000 |
| Securities available for sale | 60,009,000 | 57,357,000 | 55,587,000 | 56,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,284,000 | 135,017,000 | 140,364,000 | 133,479,000 |
| Interest-bearing deposits | 118,238,000 | 122,202,000 | 128,173,000 | 119,858,000 |
| Noninterest-bearing deposits | 13,047,000 | 12,815,000 | 12,191,000 | 13,621,000 |
| Equity capital | 1,549,000 | 76,000 | -1,803,000 | 1,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,597,000 | 4,015,000 | 5,471,000 |
| Interest expense | 211,000 | 533,000 | 950,000 | 1,428,000 |
| Net interest income | 1,056,000 | 2,064,000 | 3,065,000 | 4,043,000 |
| Noninterest income | 147,000 | 290,000 | 437,000 | 650,000 |
| Noninterest expense | 921,000 | 1,758,000 | 2,690,000 | 3,475,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 267,000 | 566,000 | 767,000 | 1,158,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 566,000 | 767,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,196,000 | 12,185,000 | 12,321,000 | 12,644,000 |
| Total capital | 12,913,000 | 12,917,000 | 13,070,000 | 13,403,000 |
| Risk-weighted assets | 69,311,000 | 69,540,000 | 70,078,000 | 68,940,000 |
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