Call reports 2024
CATALYST BANK — 2024
What CATALYST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 278,402,000 | 291,529,000 | 276,900,000 | 273,279,000 |
| Total loans | 143,491,000 | 153,266,000 | 165,882,000 | 167,076,000 |
| Allowance for loan losses | 2,068,000 | 2,215,000 | 2,414,000 | 2,522,000 |
| Securities available for sale | 22,196,000 | 26,516,000 | 28,903,000 | 25,684,000 |
| Securities held to maturity | 13,457,000 | 13,454,000 | 13,450,000 | 13,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,185,000 | 184,618,000 | 171,325,000 | 188,379,000 |
| Interest-bearing deposits | 140,801,000 | 149,888,000 | 139,532,000 | 157,393,000 |
| Noninterest-bearing deposits | 34,384,000 | 34,730,000 | 31,793,000 | 30,986,000 |
| Equity capital | 72,187,000 | 72,771,000 | 74,188,000 | 74,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,126,000 | 6,632,000 | 10,284,000 | 13,777,000 |
| Interest expense | 1,047,000 | 2,139,000 | 3,278,000 | 4,317,000 |
| Net interest income | 2,079,000 | 4,493,000 | 7,006,000 | 9,460,000 |
| Noninterest income | 345,000 | 710,000 | 1,331,000 | 1,667,000 |
| Noninterest expense | 2,718,000 | 4,698,000 | 6,895,000 | 8,876,000 |
| Provision for loan losses | 42,000 | 227,000 | 557,000 | 667,000 |
| Pretax income | -5,565,000 | -4,865,000 | -4,265,000 | -3,456,000 |
| Income tax | -1,185,000 | -1,054,000 | -936,000 | -783,000 |
| Net income | -4,380,000 | -3,811,000 | -3,329,000 | -2,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,218,000 | 75,820,000 | 76,435,000 | 77,222,000 |
| Total capital | 77,030,000 | 77,757,000 | 78,531,000 | 79,335,000 |
| Risk-weighted assets | 144,406,000 | 154,464,000 | 167,201,000 | 168,585,000 |