Call reports 2012
CATALYST BANK — 2012
What CATALYST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 246,033,000 | 240,039,000 | 237,360,000 | 236,540,000 |
| Total loans | 204,667,000 | 201,175,000 | 196,427,000 | 192,424,000 |
| Allowance for loan losses | 3,416,000 | 2,942,000 | 3,181,000 | 3,032,000 |
| Securities available for sale | 52,000 | 49,000 | 46,000 | 42,000 |
| Securities held to maturity | 13,664,000 | 13,524,000 | 17,532,000 | 20,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,966,000 | 171,484,000 | 168,500,000 | 167,472,000 |
| Interest-bearing deposits | 171,305,000 | 164,035,000 | 161,391,000 | 159,819,000 |
| Noninterest-bearing deposits | 6,661,000 | 7,449,000 | 7,109,000 | 7,653,000 |
| Equity capital | 38,469,000 | 38,671,000 | 39,130,000 | 39,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,204,000 | 5,591,000 | 8,253,000 | 10,846,000 |
| Interest expense | 717,000 | 1,363,000 | 1,966,000 | 2,545,000 |
| Net interest income | 2,487,000 | 4,228,000 | 6,287,000 | 8,301,000 |
| Noninterest income | 64,000 | 107,000 | 174,000 | 267,000 |
| Noninterest expense | 1,325,000 | 2,616,000 | 3,878,000 | 5,290,000 |
| Provision for loan losses | 500,000 | 621,000 | 1,064,000 | 1,214,000 |
| Pretax income | 726,000 | 1,098,000 | 1,519,000 | 2,064,000 |
| Income tax | 261,000 | 430,000 | 393,000 | 496,000 |
| Net income | 465,000 | 668,000 | 1,126,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,469,000 | 38,671,000 | 39,130,000 | 39,571,000 |
| Total capital | 40,316,000 | 40,504,000 | 40,918,000 | 41,326,000 |
| Risk-weighted assets | 146,164,000 | 145,506,000 | 141,628,000 | 139,143,000 |