Call reports 2007
BANK OF HOLYROOD, THE — 2007
What BANK OF HOLYROOD, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,091,000 | 31,288,000 | 33,045,000 | 32,036,000 |
| Total loans | 21,686,000 | 22,274,000 | 22,213,000 | 23,748,000 |
| Allowance for loan losses | 260,000 | 271,000 | 277,000 | 250,000 |
| Securities available for sale | 5,269,000 | 4,588,000 | 4,981,000 | 5,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,223,000 | 26,384,000 | 28,018,000 | 27,432,000 |
| Interest-bearing deposits | 22,892,000 | 22,379,000 | 23,138,000 | 21,548,000 |
| Noninterest-bearing deposits | 4,331,000 | 4,006,000 | 4,880,000 | 5,884,000 |
| Equity capital | 3,725,000 | 3,719,000 | 3,863,000 | 4,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,015,000 | 1,541,000 | 2,085,000 |
| Interest expense | 224,000 | 455,000 | 715,000 | 948,000 |
| Net interest income | 287,000 | 560,000 | 826,000 | 1,137,000 |
| Noninterest income | 36,000 | 59,000 | 86,000 | 122,000 |
| Noninterest expense | 128,000 | 254,000 | 379,000 | 574,000 |
| Provision for loan losses | 55,000 | 70,000 | 90,000 | 105,000 |
| Pretax income | 140,000 | 295,000 | 443,000 | 580,000 |
| Income tax | 1,000 | -10,000 | -10,000 | -10,000 |
| Net income | 139,000 | 305,000 | 453,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,778,000 | 3,783,000 | 3,872,000 | 4,008,000 |
| Total capital | 4,038,000 | 4,054,000 | 4,149,000 | 4,258,000 |
| Risk-weighted assets | 21,686,000 | 22,094,000 | 22,371,000 | 23,471,000 |
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