Call reports 2009
CELTIC BANK CORPORATION — 2009
What CELTIC BANK CORPORATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 214,475,000 | 211,418,000 | 216,139,000 | 209,468,000 |
| Total loans | 194,883,000 | 190,897,000 | 178,375,000 | 176,713,000 |
| Allowance for loan losses | 1,850,000 | 5,126,000 | 3,720,000 | 5,793,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,552,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,018,000 | 149,872,000 | 186,630,000 | 178,909,000 |
| Interest-bearing deposits | 0 | 149,872,000 | 186,630,000 | 178,909,000 |
| Noninterest-bearing deposits | 138,018,000 | 0 | 0 | 0 |
| Equity capital | 21,471,000 | 22,472,000 | 22,802,000 | 23,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,531,000 | 9,118,000 | 13,983,000 | 17,440,000 |
| Interest expense | 1,365,000 | 2,600,000 | 4,115,000 | 5,649,000 |
| Net interest income | 1,166,000 | 6,518,000 | 9,868,000 | 11,791,000 |
| Noninterest income | 12,847,000 | 15,285,000 | 17,021,000 | 21,998,000 |
| Noninterest expense | 1,737,000 | 4,422,000 | 7,213,000 | 9,880,000 |
| Provision for loan losses | 950,000 | 4,450,000 | 6,215,000 | 8,588,000 |
| Pretax income | 11,326,000 | 12,931,000 | 13,461,000 | 15,321,000 |
| Income tax | 4,245,000 | 4,849,000 | 5,048,000 | 5,805,000 |
| Net income | 7,081,000 | 8,082,000 | 8,413,000 | 9,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,471,000 | 22,472,000 | 22,802,000 | 23,905,000 |
| Total capital | 23,321,000 | 24,781,000 | 25,036,000 | 26,194,000 |
| Risk-weighted assets | 178,634,000 | 181,920,000 | 177,254,000 | 179,644,000 |