Call reports 2026
BANK OF CADIZ AND TRUST COMPANY — 2026
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 142,555,000 | 142,913,000 |
| Total loans | 82,734,000 | 86,073,000 |
| Allowance for loan losses | 886,000 | 742,000 |
| Securities available for sale | 49,236,000 | 47,977,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 137,814,000 | 137,893,000 |
| Interest-bearing deposits | 125,678,000 | 125,562,000 |
| Noninterest-bearing deposits | 12,136,000 | 12,331,000 |
| Equity capital | 3,813,000 | 4,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,723,000 | 3,474,000 |
| Interest expense | 557,000 | 1,109,000 |
| Net interest income | 1,166,000 | 2,365,000 |
| Noninterest income | 122,000 | 233,000 |
| Noninterest expense | 869,000 | 1,858,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 404,000 | 710,000 |
| Income tax | 0 | 0 |
| Net income | 404,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,603,000 | 13,869,000 |
| Total capital | 14,489,000 | 14,611,000 |
| Risk-weighted assets | 88,180,000 | 90,658,000 |
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