Call reports 2025
BANK OF CADIZ AND TRUST COMPANY — 2025
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 140,374,000 | 137,786,000 | 142,255,000 | 143,003,000 |
| Total loans | 69,196,000 | 70,758,000 | 75,676,000 | 79,547,000 |
| Allowance for loan losses | 824,000 | 839,000 | 855,000 | 871,000 |
| Securities available for sale | 53,142,000 | 52,001,000 | 51,714,000 | 50,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,091,000 | 134,026,000 | 137,266,000 | 137,678,000 |
| Interest-bearing deposits | 124,983,000 | 121,892,000 | 125,213,000 | 125,513,000 |
| Noninterest-bearing deposits | 12,108,000 | 12,134,000 | 12,053,000 | 12,165,000 |
| Equity capital | 2,337,000 | 2,807,000 | 3,958,000 | 4,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,278,000 | 5,014,000 | 6,764,000 |
| Interest expense | 563,000 | 1,130,000 | 1,694,000 | 2,284,000 |
| Net interest income | 1,046,000 | 2,148,000 | 3,320,000 | 4,480,000 |
| Noninterest income | 120,000 | 268,000 | 393,000 | 506,000 |
| Noninterest expense | 940,000 | 1,824,000 | 2,844,000 | 3,906,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 211,000 | 562,000 | 824,000 | 1,020,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 562,000 | 824,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,212,000 | 13,463,000 | 13,700,000 | 13,819,000 |
| Total capital | 14,036,000 | 14,302,000 | 14,555,000 | 14,690,000 |
| Risk-weighted assets | 74,496,000 | 76,659,000 | 80,945,000 | 85,129,000 |
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