Call reports 2024
BANK OF CADIZ AND TRUST COMPANY — 2024
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 137,418,000 | 132,995,000 | 134,851,000 | 132,220,000 |
| Total loans | 66,729,000 | 68,712,000 | 69,238,000 | 68,611,000 |
| Allowance for loan losses | 774,000 | 779,000 | 794,000 | 809,000 |
| Securities available for sale | 55,019,000 | 54,376,000 | 55,759,000 | 52,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,431,000 | 131,547,000 | 130,865,000 | 130,153,000 |
| Interest-bearing deposits | 124,695,000 | 120,169,000 | 118,875,000 | 117,535,000 |
| Noninterest-bearing deposits | 11,736,000 | 11,378,000 | 11,990,000 | 12,618,000 |
| Equity capital | 111,000 | 504,000 | 2,978,000 | 1,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,168,000 | 4,778,000 | 6,502,000 |
| Interest expense | 546,000 | 1,122,000 | 1,698,000 | 2,259,000 |
| Net interest income | 1,012,000 | 2,046,000 | 3,080,000 | 4,243,000 |
| Noninterest income | 123,000 | 241,000 | 366,000 | 576,000 |
| Noninterest expense | 904,000 | 1,774,000 | 2,726,000 | 3,648,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 216,000 | 432,000 | 624,000 | 1,060,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 432,000 | 624,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,501,000 | 12,647,000 | 12,838,000 | 13,274,000 |
| Total capital | 13,275,000 | 13,426,000 | 13,632,000 | 14,083,000 |
| Risk-weighted assets | 71,472,000 | 70,712,000 | 73,778,000 | 74,070,000 |