Call reports 2018
BANK OF HOLYROOD, THE — 2018
What BANK OF HOLYROOD, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 63,901,000 | 62,179,000 | 62,526,000 | 62,262,000 |
| Total loans | 49,097,000 | 48,769,000 | 48,897,000 | 48,445,000 |
| Allowance for loan losses | 1,216,000 | 1,238,000 | 1,241,000 | 1,123,000 |
| Securities available for sale | 7,565,000 | 7,003,000 | 7,027,000 | 5,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,182,000 | 52,802,000 | 52,963,000 | 53,317,000 |
| Interest-bearing deposits | 44,374,000 | 43,671,000 | 43,348,000 | 43,476,000 |
| Noninterest-bearing deposits | 8,808,000 | 9,131,000 | 9,615,000 | 9,841,000 |
| Equity capital | 8,425,000 | 8,582,000 | 8,771,000 | 8,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,471,000 | 2,236,000 | 2,993,000 |
| Interest expense | 108,000 | 227,000 | 340,000 | 473,000 |
| Net interest income | 615,000 | 1,244,000 | 1,896,000 | 2,520,000 |
| Noninterest income | 18,000 | 35,000 | 56,000 | 72,000 |
| Noninterest expense | 295,000 | 577,000 | 853,000 | 1,168,000 |
| Provision for loan losses | 70,000 | 135,000 | 195,000 | 355,000 |
| Pretax income | 268,000 | 565,000 | 898,000 | 1,052,000 |
| Income tax | 15,000 | 27,000 | 42,000 | 49,000 |
| Net income | 253,000 | 538,000 | 856,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,540,000 | 8,714,000 | 8,933,000 | 8,969,000 |
| Total capital | 9,097,000 | 9,268,000 | 9,490,000 | 9,524,000 |
| Risk-weighted assets | 43,883,000 | 43,666,000 | 43,896,000 | 43,865,000 |