Call reports 2014
BANK OF HOLYROOD, THE — 2014
What BANK OF HOLYROOD, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,822,000 | 63,864,000 | 64,008,000 | 64,570,000 |
| Total loans | 36,122,000 | 36,731,000 | 37,319,000 | 38,081,000 |
| Allowance for loan losses | 471,000 | 523,000 | 554,000 | 611,000 |
| Securities available for sale | 10,456,000 | 11,510,000 | 11,366,000 | 10,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,063,000 | 56,966,000 | 57,018,000 | 56,549,000 |
| Interest-bearing deposits | 44,003,000 | 42,282,000 | 42,723,000 | 42,396,000 |
| Noninterest-bearing deposits | 16,060,000 | 14,685,000 | 14,295,000 | 14,153,000 |
| Equity capital | 6,713,000 | 6,853,000 | 6,944,000 | 7,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 566,000 | 1,148,000 | 1,752,000 | 2,349,000 |
| Interest expense | 67,000 | 136,000 | 207,000 | 275,000 |
| Net interest income | 499,000 | 1,012,000 | 1,545,000 | 2,074,000 |
| Noninterest income | 30,000 | 57,000 | 87,000 | 114,000 |
| Noninterest expense | 239,000 | 459,000 | 724,000 | 952,000 |
| Provision for loan losses | 45,000 | 105,000 | 180,000 | 270,000 |
| Pretax income | 246,000 | 507,000 | 732,000 | 973,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 237,000 | 489,000 | 705,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,670,000 | 6,774,000 | 6,907,000 | 7,140,000 |
| Total capital | 7,130,000 | 7,236,000 | 7,373,000 | 7,611,000 |
| Risk-weighted assets | 36,818,000 | 36,902,000 | 37,194,000 | 37,503,000 |
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