Call reports 2013
CATALYST BANK — 2013
What CATALYST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 239,135,000 | 229,675,000 | 228,743,000 | 227,472,000 |
| Total loans | 189,250,000 | 185,551,000 | 184,227,000 | 182,116,000 |
| Allowance for loan losses | 2,931,000 | 2,441,000 | 2,475,000 | 2,249,000 |
| Securities available for sale | 40,000 | 35,000 | 32,000 | 29,000 |
| Securities held to maturity | 22,506,000 | 23,940,000 | 25,935,000 | 25,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,314,000 | 168,922,000 | 167,629,000 | 166,758,000 |
| Interest-bearing deposits | 161,544,000 | 161,126,000 | 159,355,000 | 158,861,000 |
| Noninterest-bearing deposits | 7,770,000 | 7,796,000 | 8,274,000 | 7,897,000 |
| Equity capital | 40,068,000 | 40,579,000 | 41,074,000 | 41,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,092,000 | 7,619,000 | 10,055,000 |
| Interest expense | 560,000 | 1,042,000 | 1,506,000 | 1,959,000 |
| Net interest income | 2,020,000 | 4,050,000 | 6,113,000 | 8,096,000 |
| Noninterest income | 110,000 | 178,000 | 163,000 | 130,000 |
| Noninterest expense | 1,372,000 | 2,765,000 | 4,203,000 | 5,417,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 758,000 | 1,463,000 | 2,073,000 | 2,669,000 |
| Income tax | 261,000 | 455,000 | 571,000 | 670,000 |
| Net income | 497,000 | 1,008,000 | 1,502,000 | 1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,068,000 | 40,579,000 | 41,074,000 | 41,570,000 |
| Total capital | 41,810,000 | 42,273,000 | 42,760,000 | 43,227,000 |
| Risk-weighted assets | 138,260,000 | 134,801,000 | 134,085,000 | 131,934,000 |