Call reports 2023
CELTIC BANK CORPORATION — 2023
What CELTIC BANK CORPORATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,392,860,000 | 2,521,884,000 | 2,605,899,000 | 2,961,119,000 |
| Total loans | 1,707,067,000 | 1,809,625,000 | 1,965,137,000 | 2,145,840,000 |
| Allowance for loan losses | 37,042,000 | 39,383,000 | 42,729,000 | 39,858,000 |
| Securities available for sale | 5,085,000 | 83,000 | 83,000 | 76,000 |
| Securities held to maturity | 290,879,000 | 311,477,000 | 322,207,000 | 320,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,656,252,000 | 1,842,139,000 | 1,839,609,000 | 2,159,892,000 |
| Interest-bearing deposits | 1,563,147,000 | 1,696,669,000 | 1,698,376,000 | 1,987,534,000 |
| Noninterest-bearing deposits | 93,105,000 | 145,471,000 | 141,234,000 | 172,358,000 |
| Equity capital | 455,390,000 | 485,157,000 | 513,578,000 | 548,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 50,630,000 | 110,498,000 | 174,699,000 | 245,824,000 |
| Interest expense | 12,307,000 | 27,062,000 | 43,252,000 | 62,599,000 |
| Net interest income | 38,323,000 | 83,436,000 | 131,447,000 | 183,225,000 |
| Noninterest income | 22,917,000 | 48,585,000 | 72,393,000 | 98,764,000 |
| Noninterest expense | 21,790,000 | 46,189,000 | 70,682,000 | 95,331,000 |
| Provision for loan losses | 146,000 | 2,801,000 | 7,091,000 | 8,615,000 |
| Pretax income | 39,304,000 | 83,031,000 | 126,067,000 | 178,043,000 |
| Income tax | 10,200,000 | 21,160,000 | 32,775,000 | 46,530,000 |
| Net income | 29,104,000 | 61,871,000 | 93,292,000 | 131,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 449,717,000 | 479,484,000 | 507,976,000 | 543,341,000 |