Call reports 2016
CELTIC BANK CORPORATION — 2016
What CELTIC BANK CORPORATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 473,157,000 | 499,203,000 | 517,410,000 | 544,116,000 |
| Total loans | 398,227,000 | 412,562,000 | 421,663,000 | 463,289,000 |
| Allowance for loan losses | 11,051,000 | 11,674,000 | 12,509,000 | 12,554,000 |
| Securities available for sale | 6,701,000 | 6,701,000 | 6,511,000 | 6,522,000 |
| Securities held to maturity | 326,000 | 326,000 | 278,000 | 282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,281,000 | 388,278,000 | 401,700,000 | 422,492,000 |
| Interest-bearing deposits | 375,299,000 | 370,119,000 | 380,566,000 | 400,149,000 |
| Noninterest-bearing deposits | 9,981,000 | 18,159,000 | 21,134,000 | 22,343,000 |
| Equity capital | 71,868,000 | 78,962,000 | 84,747,000 | 92,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,761,000 | 16,062,000 | 24,621,000 | 34,085,000 |
| Interest expense | 1,321,000 | 2,666,000 | 4,110,000 | 5,601,000 |
| Net interest income | 6,440,000 | 13,396,000 | 20,511,000 | 28,484,000 |
| Noninterest income | 9,906,000 | 24,367,000 | 36,889,000 | 51,630,000 |
| Noninterest expense | 8,884,000 | 18,669,000 | 27,635,000 | 39,360,000 |
| Provision for loan losses | 1,038,000 | 2,432,000 | 3,884,000 | 4,232,000 |
| Pretax income | 6,424,000 | 16,662,000 | 25,881,000 | 36,522,000 |
| Income tax | 2,126,000 | 5,271,000 | 8,704,000 | 12,053,000 |
| Net income | 4,298,000 | 11,391,000 | 17,177,000 | 24,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,383,000 | 76,123,000 | 81,810,000 | 88,777,000 |
| Total capital | 75,742,000 | 81,606,000 | 87,591,000 | 95,129,000 |
| Risk-weighted assets | 421,567,000 | 432,439,000 | 455,777,000 | 501,997,000 |