Call reports 2004
CELTIC BANK CORPORATION — 2004
What CELTIC BANK CORPORATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,566,000 | 71,863,000 | 72,440,000 | 70,164,000 |
| Total loans | 56,110,000 | 60,548,000 | 62,851,000 | 54,914,000 |
| Allowance for loan losses | 831,000 | 967,000 | 1,404,000 | 1,878,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 51,000 | 51,000 | 51,000 | 3,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,179,000 | 64,121,000 | 64,062,000 | 62,080,000 |
| Interest-bearing deposits | 57,727,000 | 62,199,000 | 61,555,000 | 58,908,000 |
| Noninterest-bearing deposits | 2,452,000 | 1,922,000 | 2,507,000 | 3,172,000 |
| Equity capital | 6,783,000 | 7,168,000 | 7,479,000 | 7,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,772,000 | 4,163,000 | 5,667,000 |
| Interest expense | 416,000 | 850,000 | 1,332,000 | 1,824,000 |
| Net interest income | 904,000 | 1,922,000 | 2,831,000 | 3,843,000 |
| Noninterest income | 486,000 | 843,000 | 1,403,000 | 1,931,000 |
| Noninterest expense | 870,000 | 1,646,000 | 2,514,000 | 3,491,000 |
| Provision for loan losses | 205,000 | 380,000 | 843,000 | 1,402,000 |
| Pretax income | 315,000 | 739,000 | 877,000 | 881,000 |
| Income tax | 104,000 | 260,000 | 306,000 | 329,000 |
| Net income | 211,000 | 479,000 | 571,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,783,000 | 7,168,000 | 7,479,000 | 7,460,000 |
| Total capital | 7,537,000 | 7,985,000 | 8,298,000 | 8,192,000 |
| Risk-weighted assets | 60,206,000 | 65,223,000 | 64,931,000 | 57,448,000 |