Call reports 2009
BANK OF HOLYROOD, THE — 2009
What BANK OF HOLYROOD, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,867,000 | 39,178,000 | 41,213,000 | 42,226,000 |
| Total loans | 23,856,000 | 25,769,000 | 26,253,000 | 28,237,000 |
| Allowance for loan losses | 305,000 | 328,000 | 367,000 | 358,000 |
| Securities available for sale | 9,695,000 | 6,232,000 | 6,785,000 | 5,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,519,000 | 32,681,000 | 34,682,000 | 35,735,000 |
| Interest-bearing deposits | 26,591,000 | 27,631,000 | 28,792,000 | 30,065,000 |
| Noninterest-bearing deposits | 5,928,000 | 5,050,000 | 5,890,000 | 5,670,000 |
| Equity capital | 4,438,000 | 4,561,000 | 4,617,000 | 4,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,011,000 | 1,523,000 | 2,033,000 |
| Interest expense | 175,000 | 349,000 | 527,000 | 715,000 |
| Net interest income | 342,000 | 662,000 | 996,000 | 1,318,000 |
| Noninterest income | 30,000 | 57,000 | 86,000 | 119,000 |
| Noninterest expense | 151,000 | 319,000 | 507,000 | 735,000 |
| Provision for loan losses | 40,000 | 60,000 | 100,000 | 180,000 |
| Pretax income | 181,000 | 399,000 | 534,000 | 581,000 |
| Income tax | 2,000 | 13,000 | 19,000 | 24,000 |
| Net income | 179,000 | 386,000 | 515,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,280,000 | 4,488,000 | 4,517,000 | 4,458,000 |
| Total capital | 4,585,000 | 4,816,000 | 4,853,000 | 4,816,000 |
| Risk-weighted assets | 24,631,000 | 26,167,000 | 26,828,000 | 28,639,000 |
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