Call reports 2020
CATALYST BANK — 2020
What CATALYST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 225,359,000 | 238,403,000 | 241,926,000 | 224,985,000 |
| Total loans | 162,012,000 | 162,190,000 | 159,504,000 | 151,800,000 |
| Allowance for loan losses | 2,124,000 | 2,118,000 | 2,742,000 | 3,022,000 |
| Securities available for sale | 15,128,000 | 13,075,000 | 16,649,000 | 20,730,000 |
| Securities held to maturity | 12,962,000 | 20,933,000 | 24,283,000 | 17,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,658,000 | 159,718,000 | 163,959,000 | 164,598,000 |
| Interest-bearing deposits | 128,794,000 | 133,470,000 | 138,828,000 | 138,429,000 |
| Noninterest-bearing deposits | 18,864,000 | 26,248,000 | 25,131,000 | 26,169,000 |
| Equity capital | 51,336,000 | 51,607,000 | 51,140,000 | 50,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,339,000 | 6,512,000 | 8,490,000 |
| Interest expense | 459,000 | 904,000 | 1,334,000 | 1,705,000 |
| Net interest income | 1,723,000 | 3,435,000 | 5,178,000 | 6,785,000 |
| Noninterest income | 170,000 | 315,000 | 290,000 | 702,000 |
| Noninterest expense | 1,623,000 | 3,130,000 | 4,758,000 | 7,649,000 |
| Provision for loan losses | 65,000 | 65,000 | 665,000 | 985,000 |
| Pretax income | 205,000 | 555,000 | 45,000 | -1,147,000 |
| Income tax | 50,000 | 139,000 | 33,000 | -463,000 |
| Net income | 155,000 | 416,000 | 12,000 | -684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,133,000 | 51,393,000 | 50,990,000 | 50,295,000 |
| Total capital | 52,755,000 | 53,153,000 | 52,631,000 | 51,857,000 |
| Risk-weighted assets | 129,244,000 | 140,463,000 | 130,225,000 | 123,533,000 |