Call reports 2006
BANK OF HOLYROOD, THE — 2006
What BANK OF HOLYROOD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,093,000 | 29,442,000 | 32,065,000 | 32,374,000 |
| Total loans | 19,675,000 | 20,265,000 | 20,007,000 | 21,676,000 |
| Allowance for loan losses | 258,000 | 244,000 | 267,000 | 246,000 |
| Securities available for sale | 6,134,000 | 6,105,000 | 6,163,000 | 5,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,299,000 | 24,399,000 | 26,883,000 | 27,297,000 |
| Interest-bearing deposits | 19,852,000 | 19,942,000 | 22,633,000 | 22,226,000 |
| Noninterest-bearing deposits | 3,447,000 | 4,457,000 | 4,250,000 | 5,071,000 |
| Equity capital | 3,375,000 | 3,321,000 | 3,443,000 | 3,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 437,000 | 870,000 | 1,337,000 | 1,842,000 |
| Interest expense | 177,000 | 357,000 | 565,000 | 788,000 |
| Net interest income | 260,000 | 513,000 | 772,000 | 1,054,000 |
| Noninterest income | 37,000 | 76,000 | 93,000 | 134,000 |
| Noninterest expense | 119,000 | 242,000 | 378,000 | 550,000 |
| Provision for loan losses | 10,000 | 40,000 | 65,000 | 99,000 |
| Pretax income | 168,000 | 307,000 | 422,000 | 539,000 |
| Income tax | 7,000 | 14,000 | 20,000 | 26,000 |
| Net income | 161,000 | 293,000 | 402,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,495,000 | 3,467,000 | 3,527,000 | 3,637,000 |
| Total capital | 3,740,000 | 3,711,000 | 3,781,000 | 3,883,000 |
| Risk-weighted assets | 19,616,000 | 20,114,000 | 20,278,000 | 21,608,000 |
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