Call reports 2013
CELTIC BANK CORPORATION — 2013
What CELTIC BANK CORPORATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 240,108,000 | 267,126,000 | 274,249,000 | 279,627,000 |
| Total loans | 198,683,000 | 230,233,000 | 210,856,000 | 227,523,000 |
| Allowance for loan losses | 8,214,000 | 9,121,000 | 9,409,000 | 10,441,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 189,000 | 189,000 | 385,000 | 7,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,109,000 | 220,998,000 | 218,211,000 | 222,735,000 |
| Interest-bearing deposits | 191,619,000 | 214,615,000 | 213,680,000 | 221,832,000 |
| Noninterest-bearing deposits | 4,490,000 | 6,383,000 | 4,531,000 | 903,000 |
| Equity capital | 34,924,000 | 36,679,000 | 38,898,000 | 40,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,079,000 | 8,521,000 | 13,471,000 | 18,329,000 |
| Interest expense | 1,030,000 | 2,089,000 | 3,169,000 | 4,199,000 |
| Net interest income | 3,049,000 | 6,432,000 | 10,302,000 | 14,130,000 |
| Noninterest income | 3,305,000 | 8,694,000 | 14,507,000 | 20,957,000 |
| Noninterest expense | 4,102,000 | 9,757,000 | 14,449,000 | 19,614,000 |
| Provision for loan losses | 834,000 | 2,014,000 | 3,125,000 | 4,825,000 |
| Pretax income | 1,418,000 | 3,355,000 | 7,235,000 | 10,648,000 |
| Income tax | 527,000 | 1,258,000 | 2,919,000 | 4,192,000 |
| Net income | 891,000 | 2,097,000 | 4,316,000 | 6,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,500,000 | 36,255,000 | 38,474,000 | 39,505,000 |
| Total capital | 37,142,000 | 38,948,000 | 40,945,000 | 42,323,000 |
| Risk-weighted assets | 205,822,000 | 208,677,000 | 195,693,000 | 225,056,000 |