Call reports 2011
BANK OF HOLYROOD, THE — 2011
What BANK OF HOLYROOD, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 52,768,000 | 54,905,000 | 54,801,000 | 56,224,000 |
| Total loans | 29,107,000 | 28,885,000 | 29,358,000 | 30,949,000 |
| Allowance for loan losses | 369,000 | 389,000 | 420,000 | 460,000 |
| Securities available for sale | 11,724,000 | 10,534,000 | 7,070,000 | 10,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,225,000 | 48,070,000 | 47,748,000 | 49,174,000 |
| Interest-bearing deposits | 36,433,000 | 38,110,000 | 38,009,000 | 37,733,000 |
| Noninterest-bearing deposits | 9,792,000 | 9,960,000 | 9,739,000 | 11,441,000 |
| Equity capital | 4,940,000 | 5,237,000 | 5,478,000 | 5,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,046,000 | 1,574,000 | 2,134,000 |
| Interest expense | 126,000 | 247,000 | 363,000 | 461,000 |
| Net interest income | 394,000 | 799,000 | 1,211,000 | 1,673,000 |
| Noninterest income | 21,000 | 42,000 | 65,000 | 88,000 |
| Noninterest expense | 170,000 | 363,000 | 532,000 | 760,000 |
| Provision for loan losses | 40,000 | 85,000 | 120,000 | 180,000 |
| Pretax income | 205,000 | 464,000 | 695,000 | 892,000 |
| Income tax | 0 | 1,000 | 8,000 | 14,000 |
| Net income | 205,000 | 463,000 | 687,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,830,000 | 5,088,000 | 5,312,000 | 5,302,000 |
| Total capital | 5,199,000 | 5,466,000 | 5,693,000 | 5,700,000 |
| Risk-weighted assets | 29,810,000 | 30,225,000 | 30,407,000 | 31,843,000 |