Call reports 2015
CATALYST BANK — 2015
What CATALYST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 235,930,000 | 235,954,000 | 225,706,000 | 225,040,000 |
| Total loans | 179,584,000 | 178,854,000 | 179,295,000 | 177,674,000 |
| Allowance for loan losses | 2,155,000 | 2,025,000 | 2,048,000 | 2,248,000 |
| Securities available for sale | 17,000 | 6,023,000 | 5,413,000 | 7,379,000 |
| Securities held to maturity | 25,922,000 | 21,925,000 | 21,925,000 | 19,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,265,000 | 171,968,000 | 169,671,000 | 169,210,000 |
| Interest-bearing deposits | 162,463,000 | 161,052,000 | 159,439,000 | 157,032,000 |
| Noninterest-bearing deposits | 9,802,000 | 10,916,000 | 10,232,000 | 12,178,000 |
| Equity capital | 43,791,000 | 44,218,000 | 44,568,000 | 45,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,404,000 | 4,737,000 | 7,083,000 | 9,386,000 |
| Interest expense | 383,000 | 762,000 | 1,092,000 | 1,352,000 |
| Net interest income | 2,021,000 | 3,975,000 | 5,991,000 | 8,034,000 |
| Noninterest income | 107,000 | 327,000 | 445,000 | 521,000 |
| Noninterest expense | 1,431,000 | 2,859,000 | 4,390,000 | 5,697,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 220,000 |
| Pretax income | 697,000 | 1,443,000 | 2,026,000 | 2,638,000 |
| Income tax | 255,000 | 581,000 | 818,000 | 861,000 |
| Net income | 442,000 | 862,000 | 1,208,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,791,000 | 44,212,000 | 44,558,000 | 45,126,000 |
| Total capital | 45,461,000 | 45,872,000 | 46,185,000 | 46,749,000 |
| Risk-weighted assets | 133,153,000 | 132,421,000 | 129,699,000 | 129,229,000 |