Call reports 2018
CELTIC BANK CORPORATION — 2018
What CELTIC BANK CORPORATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 688,258,000 | 773,453,000 | 800,718,000 | 838,476,000 |
| Total loans | 567,997,000 | 641,760,000 | 665,744,000 | 696,007,000 |
| Allowance for loan losses | 9,731,000 | 10,057,000 | 9,977,000 | 9,787,000 |
| Securities available for sale | 6,317,000 | 6,315,000 | 6,107,000 | 6,107,000 |
| Securities held to maturity | 90,000 | 90,000 | 69,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,316,000 | 551,723,000 | 578,605,000 | 663,613,000 |
| Interest-bearing deposits | 451,156,000 | 501,227,000 | 531,589,000 | 610,437,000 |
| Noninterest-bearing deposits | 47,160,000 | 50,496,000 | 47,016,000 | 53,176,000 |
| Equity capital | 128,161,000 | 137,468,000 | 145,011,000 | 155,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 12,802,000 | 27,484,000 | 42,979,000 | 59,854,000 |
| Interest expense | 2,421,000 | 5,220,000 | 8,705,000 | 12,568,000 |
| Net interest income | 10,381,000 | 22,264,000 | 34,274,000 | 47,286,000 |
| Noninterest income | 15,684,000 | 29,707,000 | 42,089,000 | 59,033,000 |
| Noninterest expense | 11,130,000 | 23,597,000 | 36,210,000 | 51,290,000 |
| Provision for loan losses | 1,812,000 | 3,167,000 | 3,709,000 | 4,910,000 |
| Pretax income | 13,123,000 | 25,207,000 | 36,444,000 | 50,119,000 |
| Income tax | 3,107,000 | 5,885,000 | 8,578,000 | 10,984,000 |
| Net income | 10,016,000 | 19,322,000 | 27,866,000 | 39,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,058,000 | 130,365,000 | 137,903,000 | 151,135,000 |
| Total capital | 128,840,000 | 139,261,000 | 147,163,000 | 160,922,000 |
| Risk-weighted assets | 620,577,000 | 710,491,000 | 740,054,000 | 791,359,000 |