Call reports 2012
CELTIC BANK CORPORATION — 2012
What CELTIC BANK CORPORATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 224,453,000 | 228,751,000 | 224,924,000 | 248,452,000 |
| Total loans | 170,411,000 | 172,559,000 | 174,295,000 | 197,944,000 |
| Allowance for loan losses | 7,270,000 | 8,015,000 | 9,362,000 | 7,666,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 99,000 | 89,000 | 89,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,032,000 | 184,215,000 | 179,825,000 | 187,605,000 |
| Interest-bearing deposits | 180,032,000 | 184,215,000 | 179,825,000 | 182,582,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 5,023,000 |
| Equity capital | 32,313,000 | 33,158,000 | 34,163,000 | 34,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,852,000 | 9,213,000 | 13,582,000 | 18,224,000 |
| Interest expense | 1,157,000 | 2,305,000 | 3,362,000 | 4,367,000 |
| Net interest income | 3,695,000 | 6,908,000 | 10,220,000 | 13,857,000 |
| Noninterest income | 2,853,000 | 5,866,000 | 9,178,000 | 13,527,000 |
| Noninterest expense | 3,393,000 | 7,041,000 | 10,640,000 | 14,891,000 |
| Provision for loan losses | 1,278,000 | 2,504,000 | 3,921,000 | 5,464,000 |
| Pretax income | 1,877,000 | 3,229,000 | 4,837,000 | 7,029,000 |
| Income tax | 704,000 | 1,211,000 | 1,814,000 | 2,636,000 |
| Net income | 1,173,000 | 2,018,000 | 3,023,000 | 4,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,313,000 | 33,158,000 | 33,805,000 | 33,609,000 |
| Total capital | 34,729,000 | 35,612,000 | 36,281,000 | 36,263,000 |
| Risk-weighted assets | 188,429,000 | 190,766,000 | 191,214,000 | 207,282,000 |