Call reports 2014
CELTIC BANK CORPORATION — 2014
What CELTIC BANK CORPORATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 285,786,000 | 296,871,000 | 328,596,000 | 349,755,000 |
| Total loans | 232,740,000 | 257,166,000 | 282,699,000 | 296,306,000 |
| Allowance for loan losses | 10,588,000 | 11,351,000 | 12,065,000 | 13,215,000 |
| Securities available for sale | 7,205,000 | 7,205,000 | 6,778,000 | 6,778,000 |
| Securities held to maturity | 156,000 | 156,000 | 146,000 | 296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,454,000 | 240,868,000 | 254,339,000 | 279,936,000 |
| Interest-bearing deposits | 225,027,000 | 240,212,000 | 245,956,000 | 270,544,000 |
| Noninterest-bearing deposits | 1,427,000 | 656,000 | 8,383,000 | 9,392,000 |
| Equity capital | 42,022,000 | 44,846,000 | 47,434,000 | 50,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,087,000 | 10,500,000 | 16,692,000 | 23,294,000 |
| Interest expense | 974,000 | 1,972,000 | 2,978,000 | 3,991,000 |
| Net interest income | 4,113,000 | 8,528,000 | 13,714,000 | 19,303,000 |
| Noninterest income | 5,482,000 | 11,165,000 | 17,224,000 | 27,595,000 |
| Noninterest expense | 5,710,000 | 10,966,000 | 16,702,000 | 23,993,000 |
| Provision for loan losses | 711,000 | 1,613,000 | 2,576,000 | 4,682,000 |
| Pretax income | 3,174,000 | 7,285,000 | 11,831,000 | 18,394,000 |
| Income tax | 1,189,000 | 2,477,000 | 4,435,000 | 6,852,000 |
| Net income | 1,985,000 | 4,808,000 | 7,396,000 | 11,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,489,000 | 44,313,000 | 46,901,000 | 49,390,000 |
| Total capital | 44,530,000 | 47,568,000 | 50,366,000 | 53,003,000 |
| Risk-weighted assets | 235,738,000 | 252,326,000 | 269,499,000 | 279,405,000 |