Call reports 2013
BANK OF HOLYROOD, THE — 2013
What BANK OF HOLYROOD, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 61,709,000 | 58,842,000 | 60,615,000 | 64,878,000 |
| Total loans | 32,737,000 | 33,714,000 | 34,372,000 | 37,187,000 |
| Allowance for loan losses | 545,000 | 380,000 | 422,000 | 433,000 |
| Securities available for sale | 9,463,000 | 9,329,000 | 13,209,000 | 13,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,347,000 | 52,637,000 | 54,238,000 | 58,254,000 |
| Interest-bearing deposits | 41,487,000 | 39,982,000 | 40,630,000 | 42,775,000 |
| Noninterest-bearing deposits | 13,860,000 | 12,656,000 | 13,608,000 | 15,479,000 |
| Equity capital | 6,318,000 | 6,160,000 | 6,334,000 | 6,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,060,000 | 1,608,000 | 2,173,000 |
| Interest expense | 69,000 | 135,000 | 201,000 | 267,000 |
| Net interest income | 460,000 | 925,000 | 1,407,000 | 1,906,000 |
| Noninterest income | 36,000 | 66,000 | 99,000 | 126,000 |
| Noninterest expense | 221,000 | 449,000 | 673,000 | 909,000 |
| Provision for loan losses | 35,000 | 125,000 | 170,000 | 200,000 |
| Pretax income | 240,000 | 417,000 | 663,000 | 923,000 |
| Income tax | -11,000 | 23,000 | 34,000 | 45,000 |
| Net income | 251,000 | 394,000 | 629,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,088,000 | 6,042,000 | 6,276,000 | 6,526,000 |
| Total capital | 6,510,000 | 6,422,000 | 6,698,000 | 6,959,000 |
| Risk-weighted assets | 33,539,000 | 33,726,000 | 33,766,000 | 36,618,000 |