Call reports 2016
BANK OF HOLYROOD, THE — 2016
What BANK OF HOLYROOD, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 63,960,000 | 63,257,000 | 62,576,000 | 63,738,000 |
| Total loans | 44,835,000 | 44,947,000 | 46,111,000 | 48,030,000 |
| Allowance for loan losses | 668,000 | 677,000 | 699,000 | 688,000 |
| Securities available for sale | 10,209,000 | 10,104,000 | 9,918,000 | 9,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,414,000 | 53,643,000 | 52,938,000 | 51,082,000 |
| Interest-bearing deposits | 42,490,000 | 42,727,000 | 43,637,000 | 41,469,000 |
| Noninterest-bearing deposits | 10,924,000 | 10,916,000 | 9,301,000 | 9,613,000 |
| Equity capital | 7,885,000 | 8,066,000 | 8,287,000 | 8,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,344,000 | 2,039,000 | 2,734,000 |
| Interest expense | 71,000 | 157,000 | 228,000 | 297,000 |
| Net interest income | 595,000 | 1,187,000 | 1,811,000 | 2,437,000 |
| Noninterest income | 25,000 | 39,000 | 62,000 | 80,000 |
| Noninterest expense | 209,000 | 464,000 | 701,000 | 976,000 |
| Provision for loan losses | 80,000 | 205,000 | 260,000 | 350,000 |
| Pretax income | 331,000 | 557,000 | 912,000 | 1,191,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 45,000 |
| Net income | 322,000 | 539,000 | 885,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,710,000 | 7,837,000 | 8,083,000 | 8,244,000 |
| Total capital | 8,229,000 | 8,351,000 | 8,603,000 | 8,789,000 |
| Risk-weighted assets | 41,344,000 | 40,925,000 | 41,415,000 | 43,451,000 |