Call reports 2016
CATALYST BANK — 2016
What CATALYST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 227,915,000 | 226,084,000 | 227,254,000 | 225,063,000 |
| Total loans | 175,100,000 | 175,912,000 | 173,191,000 | 170,591,000 |
| Allowance for loan losses | 2,363,000 | 2,168,000 | 2,195,000 | 2,246,000 |
| Securities available for sale | 8,444,000 | 6,425,000 | 11,329,000 | 11,096,000 |
| Securities held to maturity | 19,000,000 | 17,131,000 | 17,023,000 | 19,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,319,000 | 169,093,000 | 169,718,000 | 168,020,000 |
| Interest-bearing deposits | 157,405,000 | 156,297,000 | 156,221,000 | 154,935,000 |
| Noninterest-bearing deposits | 13,914,000 | 12,796,000 | 13,497,000 | 13,085,000 |
| Equity capital | 45,393,000 | 45,591,000 | 46,030,000 | 46,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,570,000 | 6,813,000 | 9,109,000 |
| Interest expense | 254,000 | 503,000 | 735,000 | 964,000 |
| Net interest income | 2,054,000 | 4,067,000 | 6,078,000 | 8,145,000 |
| Noninterest income | 133,000 | 184,000 | 261,000 | 245,000 |
| Noninterest expense | 1,440,000 | 2,984,000 | 4,427,000 | 5,597,000 |
| Provision for loan losses | 312,000 | 417,000 | 457,000 | 592,000 |
| Pretax income | 435,000 | 850,000 | 1,455,000 | 2,201,000 |
| Income tax | 168,000 | 383,000 | 547,000 | 784,000 |
| Net income | 267,000 | 467,000 | 908,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,393,000 | 45,591,000 | 46,034,000 | 46,543,000 |
| Total capital | 47,015,000 | 47,222,000 | 47,680,000 | 48,182,000 |
| Risk-weighted assets | 129,060,000 | 129,944,000 | 130,999,000 | 130,510,000 |