Call reports 2019
CELTIC BANK CORPORATION — 2019
What CELTIC BANK CORPORATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 849,606,000 | 898,493,000 | 947,059,000 | 972,971,000 |
| Total loans | 725,423,000 | 732,192,000 | 795,393,000 | 830,720,000 |
| Allowance for loan losses | 10,100,000 | 10,480,000 | 10,875,000 | 11,796,000 |
| Securities available for sale | 6,105,000 | 6,105,000 | 5,878,000 | 5,876,000 |
| Securities held to maturity | 69,000 | 69,000 | 59,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,007,000 | 672,695,000 | 688,244,000 | 734,930,000 |
| Interest-bearing deposits | 619,104,000 | 609,576,000 | 613,720,000 | 660,777,000 |
| Noninterest-bearing deposits | 52,904,000 | 63,118,000 | 74,523,000 | 74,153,000 |
| Equity capital | 162,124,000 | 171,715,000 | 182,447,000 | 193,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,254,000 | 35,071,000 | 53,760,000 | 73,322,000 |
| Interest expense | 4,107,000 | 8,407,000 | 12,762,000 | 17,000,000 |
| Net interest income | 13,147,000 | 26,664,000 | 40,998,000 | 56,322,000 |
| Noninterest income | 13,810,000 | 31,342,000 | 49,906,000 | 67,558,000 |
| Noninterest expense | 15,441,000 | 30,738,000 | 46,732,000 | 61,360,000 |
| Provision for loan losses | 1,408,000 | 2,688,000 | 3,975,000 | 6,477,000 |
| Pretax income | 10,109,000 | 24,581,000 | 40,197,000 | 56,043,000 |
| Income tax | 2,265,000 | 6,145,000 | 10,030,000 | 14,011,000 |
| Net income | 7,844,000 | 18,436,000 | 30,167,000 | 42,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,963,000 | 167,507,000 | 178,169,000 | 189,047,000 |
| Total capital | 168,063,000 | 177,690,000 | 189,046,000 | 200,467,000 |
| Risk-weighted assets | 809,436,000 | 814,307,000 | 883,749,000 | 913,218,000 |