Call reports 2008
BANK OF HOLYROOD, THE — 2008
What BANK OF HOLYROOD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 34,250,000 | 36,114,000 | 39,612,000 | 38,389,000 |
| Total loans | 23,059,000 | 23,178,000 | 22,920,000 | 24,700,000 |
| Allowance for loan losses | 266,000 | 270,000 | 262,000 | 261,000 |
| Securities available for sale | 6,182,000 | 7,602,000 | 8,931,000 | 9,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,436,000 | 30,429,000 | 33,751,000 | 32,407,000 |
| Interest-bearing deposits | 22,555,000 | 23,962,000 | 26,543,000 | 25,971,000 |
| Noninterest-bearing deposits | 5,881,000 | 6,467,000 | 7,208,000 | 6,436,000 |
| Equity capital | 4,163,000 | 4,011,000 | 4,216,000 | 4,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 528,000 | 1,035,000 | 1,560,000 | 2,104,000 |
| Interest expense | 218,000 | 425,000 | 633,000 | 833,000 |
| Net interest income | 310,000 | 610,000 | 927,000 | 1,271,000 |
| Noninterest income | 26,000 | 59,000 | 86,000 | 119,000 |
| Noninterest expense | 138,000 | 290,000 | 459,000 | 668,000 |
| Provision for loan losses | 25,000 | 55,000 | 90,000 | 115,000 |
| Pretax income | 173,000 | 324,000 | 464,000 | 607,000 |
| Income tax | 0 | 3,000 | 8,000 | 13,000 |
| Net income | 173,000 | 321,000 | 456,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,091,000 | 4,130,000 | 4,205,000 | 4,112,000 |
| Total capital | 4,357,000 | 4,400,000 | 4,467,000 | 4,373,000 |
| Risk-weighted assets | 23,144,000 | 23,938,000 | 24,281,000 | 25,353,000 |
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