Call reports 2017
CELTIC BANK CORPORATION — 2017
What CELTIC BANK CORPORATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 571,846,000 | 619,701,000 | 649,287,000 | 692,730,000 |
| Total loans | 485,204,000 | 518,600,000 | 560,316,000 | 571,429,000 |
| Allowance for loan losses | 12,067,000 | 10,496,000 | 9,015,000 | 8,985,000 |
| Securities available for sale | 6,520,000 | 6,520,000 | 6,318,000 | 6,318,000 |
| Securities held to maturity | 135,000 | 135,000 | 102,000 | 102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,158,000 | 441,511,000 | 486,755,000 | 503,163,000 |
| Interest-bearing deposits | 376,501,000 | 414,980,000 | 462,416,000 | 466,625,000 |
| Noninterest-bearing deposits | 21,658,000 | 26,531,000 | 24,339,000 | 36,537,000 |
| Equity capital | 98,176,000 | 105,383,000 | 112,807,000 | 122,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,816,000 | 21,297,000 | 33,298,000 | 46,393,000 |
| Interest expense | 1,630,000 | 3,561,000 | 5,734,000 | 8,108,000 |
| Net interest income | 8,186,000 | 17,736,000 | 27,564,000 | 38,285,000 |
| Noninterest income | 13,040,000 | 27,507,000 | 41,814,000 | 60,195,000 |
| Noninterest expense | 11,425,000 | 22,668,000 | 33,238,000 | 46,062,000 |
| Provision for loan losses | 640,000 | 1,167,000 | 3,649,000 | 5,318,000 |
| Pretax income | 9,161,000 | 21,408,000 | 32,491,000 | 47,100,000 |
| Income tax | 3,023,000 | 7,064,000 | 10,723,000 | 14,994,000 |
| Net income | 6,138,000 | 14,344,000 | 21,768,000 | 32,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,800,000 | 100,709,000 | 107,987,000 | 117,607,000 |
| Total capital | 101,450,000 | 107,825,000 | 115,515,000 | 125,410,000 |
| Risk-weighted assets | 526,612,000 | 565,870,000 | 600,712,000 | 623,031,000 |