Call reports 2014
CATALYST BANK — 2014
What CATALYST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 229,296,000 | 230,659,000 | 232,546,000 | 233,384,000 |
| Total loans | 181,463,000 | 182,120,000 | 182,026,000 | 182,363,000 |
| Allowance for loan losses | 2,165,000 | 2,024,000 | 2,169,000 | 2,406,000 |
| Securities available for sale | 27,000 | 24,000 | 23,000 | 20,000 |
| Securities held to maturity | 25,926,000 | 27,967,000 | 27,946,000 | 23,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,627,000 | 168,163,000 | 169,611,000 | 170,508,000 |
| Interest-bearing deposits | 159,662,000 | 159,277,000 | 161,118,000 | 159,677,000 |
| Noninterest-bearing deposits | 7,965,000 | 8,886,000 | 8,493,000 | 10,831,000 |
| Equity capital | 41,893,000 | 42,340,000 | 42,713,000 | 43,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,783,000 | 7,234,000 | 9,855,000 |
| Interest expense | 439,000 | 862,000 | 1,273,000 | 1,669,000 |
| Net interest income | 1,969,000 | 3,921,000 | 5,961,000 | 8,186,000 |
| Noninterest income | 36,000 | 287,000 | 398,000 | 498,000 |
| Noninterest expense | 1,480,000 | 2,957,000 | 4,405,000 | 5,619,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 435,000 |
| Pretax income | 525,000 | 1,251,000 | 1,854,000 | 2,630,000 |
| Income tax | 202,000 | 481,000 | 711,000 | 852,000 |
| Net income | 323,000 | 770,000 | 1,143,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,893,000 | 42,340,000 | 42,713,000 | 43,349,000 |
| Total capital | 43,554,000 | 44,008,000 | 44,384,000 | 45,028,000 |
| Risk-weighted assets | 132,398,000 | 133,062,000 | 133,165,000 | 133,599,000 |