Call reports 2006
CELTIC BANK CORPORATION — 2006
What CELTIC BANK CORPORATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,981,000 | 82,741,000 | 88,822,000 | 95,490,000 |
| Total loans | 65,427,000 | 78,342,000 | 81,398,000 | 90,447,000 |
| Allowance for loan losses | 954,000 | 993,000 | 999,000 | 1,112,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 50,000 | 45,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,016,000 | 68,160,000 | 72,658,000 | 77,564,000 |
| Interest-bearing deposits | 61,555,000 | 64,853,000 | 70,015,000 | 74,919,000 |
| Noninterest-bearing deposits | 2,461,000 | 3,307,000 | 2,643,000 | 2,645,000 |
| Equity capital | 8,735,000 | 9,205,000 | 9,572,000 | 9,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,955,000 | 6,475,000 | 8,968,000 |
| Interest expense | 512,000 | 1,230,000 | 2,049,000 | 2,953,000 |
| Net interest income | 1,254,000 | 2,725,000 | 4,426,000 | 6,015,000 |
| Noninterest income | 858,000 | 1,228,000 | 1,729,000 | 2,037,000 |
| Noninterest expense | 1,053,000 | 2,120,000 | 3,335,000 | 4,517,000 |
| Provision for loan losses | 207,000 | 232,000 | 332,000 | 407,000 |
| Pretax income | 852,000 | 1,601,000 | 2,488,000 | 3,128,000 |
| Income tax | 318,000 | 597,000 | 928,000 | 1,167,000 |
| Net income | 534,000 | 1,004,000 | 1,560,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,735,000 | 9,205,000 | 9,572,000 | 9,973,000 |
| Total capital | 9,598,000 | 10,198,000 | 10,571,000 | 11,085,000 |
| Risk-weighted assets | 68,955,000 | 81,099,000 | 84,820,000 | 93,440,000 |