Call reports 2015
CELTIC BANK CORPORATION — 2015
What CELTIC BANK CORPORATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 404,457,000 | 415,174,000 | 429,527,000 | 451,246,000 |
| Total loans | 337,028,000 | 327,258,000 | 350,431,000 | 354,114,000 |
| Allowance for loan losses | 14,662,000 | 13,409,000 | 10,453,000 | 10,518,000 |
| Securities available for sale | 6,778,000 | 6,878,000 | 6,701,000 | 6,701,000 |
| Securities held to maturity | 377,000 | 379,000 | 352,000 | 352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,253,000 | 330,585,000 | 359,472,000 | 375,455,000 |
| Interest-bearing deposits | 327,102,000 | 318,979,000 | 348,208,000 | 360,194,000 |
| Noninterest-bearing deposits | 12,150,000 | 11,606,000 | 11,264,000 | 15,261,000 |
| Equity capital | 54,261,000 | 58,216,000 | 63,893,000 | 68,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,416,000 | 14,947,000 | 22,261,000 | 29,542,000 |
| Interest expense | 1,068,000 | 2,190,000 | 3,306,000 | 4,541,000 |
| Net interest income | 6,348,000 | 12,757,000 | 18,955,000 | 25,001,000 |
| Noninterest income | 10,519,000 | 19,772,000 | 29,386,000 | 40,260,000 |
| Noninterest expense | 7,439,000 | 15,356,000 | 23,041,000 | 31,685,000 |
| Provision for loan losses | 2,737,000 | 3,815,000 | 4,210,000 | 4,784,000 |
| Pretax income | 6,691,000 | 13,358,000 | 21,090,000 | 28,792,000 |
| Income tax | 2,509,000 | 4,920,000 | 6,974,000 | 9,386,000 |
| Net income | 4,182,000 | 8,438,000 | 14,116,000 | 19,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,423,000 | 57,336,000 | 63,172,000 | 67,183,000 |
| Total capital | 57,821,000 | 61,929,000 | 67,766,000 | 72,195,000 |
| Risk-weighted assets | 340,749,000 | 357,773,000 | 360,978,000 | 394,438,000 |