Call reports 2017
BANK OF HOLYROOD, THE — 2017
What BANK OF HOLYROOD, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 61,829,000 | 61,405,000 | 61,576,000 | 63,154,000 |
| Total loans | 47,872,000 | 47,834,000 | 49,085,000 | 49,102,000 |
| Allowance for loan losses | 741,000 | 703,000 | 732,000 | 1,210,000 |
| Securities available for sale | 9,425,000 | 9,250,000 | 8,207,000 | 7,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,933,000 | 49,116,000 | 47,606,000 | 52,482,000 |
| Interest-bearing deposits | 42,144,000 | 40,811,000 | 39,726,000 | 43,993,000 |
| Noninterest-bearing deposits | 8,789,000 | 8,305,000 | 7,880,000 | 8,489,000 |
| Equity capital | 8,578,000 | 8,722,000 | 8,867,000 | 8,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,389,000 | 2,106,000 | 2,844,000 |
| Interest expense | 73,000 | 153,000 | 227,000 | 315,000 |
| Net interest income | 612,000 | 1,236,000 | 1,879,000 | 2,529,000 |
| Noninterest income | 28,000 | 45,000 | 64,000 | 81,000 |
| Noninterest expense | 246,000 | 463,000 | 747,000 | 1,043,000 |
| Provision for loan losses | 80,000 | 170,000 | 260,000 | 919,000 |
| Pretax income | 318,000 | 652,000 | 938,000 | 651,000 |
| Income tax | 3,000 | 18,000 | 27,000 | 24,000 |
| Net income | 315,000 | 634,000 | 911,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,531,000 | 8,630,000 | 8,802,000 | 8,397,000 |
| Total capital | 9,070,000 | 9,166,000 | 9,350,000 | 8,959,000 |
| Risk-weighted assets | 42,907,000 | 42,727,000 | 43,632,000 | 44,380,000 |