Call reports 2005
CELTIC BANK CORPORATION — 2005
What CELTIC BANK CORPORATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,477,000 | 68,654,000 | 65,120,000 | 68,932,000 |
| Total loans | 56,552,000 | 58,576,000 | 59,181,000 | 61,902,000 |
| Allowance for loan losses | 1,792,000 | 2,120,000 | 1,848,000 | 885,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,032,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,532,000 | 60,662,000 | 56,736,000 | 58,577,000 |
| Interest-bearing deposits | 56,141,000 | 57,866,000 | 54,130,000 | 55,315,000 |
| Noninterest-bearing deposits | 3,391,000 | 2,796,000 | 2,606,000 | 3,262,000 |
| Equity capital | 7,472,000 | 7,537,000 | 7,815,000 | 8,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,900,000 | 4,431,000 | 6,127,000 |
| Interest expense | 457,000 | 913,000 | 1,393,000 | 1,880,000 |
| Net interest income | 922,000 | 1,987,000 | 3,038,000 | 4,247,000 |
| Noninterest income | 332,000 | 707,000 | 1,231,000 | 2,082,000 |
| Noninterest expense | 927,000 | 1,881,000 | 2,971,000 | 4,215,000 |
| Provision for loan losses | 308,000 | 691,000 | 733,000 | 933,000 |
| Pretax income | 19,000 | 122,000 | 565,000 | 1,181,000 |
| Income tax | 7,000 | 45,000 | 210,000 | 440,000 |
| Net income | 12,000 | 77,000 | 355,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,472,000 | 7,537,000 | 7,815,000 | 8,201,000 |
| Total capital | 8,212,000 | 8,305,000 | 8,576,000 | 8,986,000 |
| Risk-weighted assets | 58,144,000 | 60,054,000 | 59,758,000 | 62,711,000 |