Call reports 2025
CATALYST BANK — 2025
What CATALYST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 268,241,000 | 270,452,000 | 280,525,000 | 279,648,000 |
| Total loans | 166,077,000 | 167,569,000 | 164,767,000 | 170,210,000 |
| Allowance for loan losses | 2,500,000 | 2,431,000 | 2,397,000 | 2,367,000 |
| Securities available for sale | 26,808,000 | 26,320,000 | 41,908,000 | 47,580,000 |
| Securities held to maturity | 13,445,000 | 14,948,000 | 14,945,000 | 14,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,470,000 | 188,477,000 | 192,524,000 | 190,713,000 |
| Interest-bearing deposits | 154,505,000 | 151,056,000 | 158,755,000 | 155,283,000 |
| Noninterest-bearing deposits | 27,965,000 | 37,421,000 | 33,769,000 | 35,430,000 |
| Equity capital | 75,371,000 | 71,287,000 | 72,147,000 | 73,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,355,000 | 6,799,000 | 10,294,000 | 13,826,000 |
| Interest expense | 1,009,000 | 2,002,000 | 3,065,000 | 4,106,000 |
| Net interest income | 2,346,000 | 4,797,000 | 7,229,000 | 9,720,000 |
| Noninterest income | 553,000 | 897,000 | 1,106,000 | 1,454,000 |
| Noninterest expense | 2,144,000 | 4,230,000 | 6,274,000 | 8,420,000 |
| Provision for loan losses | 17,000 | -10,000 | -42,000 | -30,000 |
| Pretax income | 755,000 | 1,464,000 | 2,097,000 | 2,694,000 |
| Income tax | 142,000 | 270,000 | 387,000 | 492,000 |
| Net income | 613,000 | 1,194,000 | 1,710,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,964,000 | 73,682,000 | 74,365,000 | 75,033,000 |
| Total capital | 80,046,000 | 75,794,000 | 76,485,000 | 77,246,000 |
| Risk-weighted assets | 166,058,000 | 168,516,000 | 169,204,000 | 176,740,000 |