Call reports 2012
BANK OF HOLYROOD, THE — 2012
What BANK OF HOLYROOD, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,798,000 | 64,141,000 | 64,311,000 | 63,147,000 |
| Total loans | 29,781,000 | 31,255,000 | 31,559,000 | 33,737,000 |
| Allowance for loan losses | 455,000 | 470,000 | 504,000 | 531,000 |
| Securities available for sale | 11,380,000 | 10,983,000 | 9,934,000 | 9,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,718,000 | 56,774,000 | 56,807,000 | 55,486,000 |
| Interest-bearing deposits | 37,961,000 | 41,627,000 | 41,988,000 | 41,595,000 |
| Noninterest-bearing deposits | 16,757,000 | 15,147,000 | 14,819,000 | 13,891,000 |
| Equity capital | 5,538,000 | 5,807,000 | 5,950,000 | 6,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,072,000 | 1,614,000 | 2,161,000 |
| Interest expense | 79,000 | 158,000 | 240,000 | 320,000 |
| Net interest income | 450,000 | 914,000 | 1,374,000 | 1,841,000 |
| Noninterest income | 26,000 | 50,000 | 77,000 | 176,000 |
| Noninterest expense | 211,000 | 393,000 | 585,000 | 788,000 |
| Provision for loan losses | 0 | 15,000 | 65,000 | 149,000 |
| Pretax income | 265,000 | 556,000 | 801,000 | 1,080,000 |
| Income tax | 0 | 50,000 | 60,000 | 70,000 |
| Net income | 265,000 | 506,000 | 741,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,417,000 | 5,559,000 | 5,669,000 | 5,837,000 |
| Total capital | 5,823,000 | 5,977,000 | 6,087,000 | 6,268,000 |
| Risk-weighted assets | 32,397,000 | 33,420,000 | 33,388,000 | 34,403,000 |