Call reports 2015
BANK OF HOLYROOD, THE — 2015
What BANK OF HOLYROOD, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,523,000 | 61,672,000 | 62,499,000 | 63,046,000 |
| Total loans | 37,269,000 | 40,043,000 | 42,247,000 | 44,650,000 |
| Allowance for loan losses | 672,000 | 656,000 | 661,000 | 701,000 |
| Securities available for sale | 10,869,000 | 10,994,000 | 10,825,000 | 10,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,309,000 | 53,626,000 | 52,980,000 | 52,042,000 |
| Interest-bearing deposits | 43,673,000 | 42,224,000 | 42,192,000 | 41,855,000 |
| Noninterest-bearing deposits | 13,636,000 | 11,402,000 | 10,788,000 | 10,187,000 |
| Equity capital | 7,412,000 | 7,251,000 | 7,396,000 | 7,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,186,000 | 1,824,000 | 2,494,000 |
| Interest expense | 69,000 | 138,000 | 206,000 | 277,000 |
| Net interest income | 515,000 | 1,048,000 | 1,618,000 | 2,217,000 |
| Noninterest income | 27,000 | 57,000 | 88,000 | 114,000 |
| Noninterest expense | 242,000 | 466,000 | 722,000 | 986,000 |
| Provision for loan losses | 70,000 | 155,000 | 245,000 | 335,000 |
| Pretax income | 230,000 | 484,000 | 739,000 | 1,010,000 |
| Income tax | 13,000 | 23,000 | 32,000 | 40,000 |
| Net income | 217,000 | 461,000 | 707,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,276,000 | 7,130,000 | 7,257,000 | 7,519,000 |
| Total capital | 7,720,000 | 7,592,000 | 7,742,000 | 8,032,000 |
| Risk-weighted assets | 35,306,000 | 36,793,000 | 38,637,000 | 40,864,000 |