Call reports 2019
BANK OF HOLYROOD, THE — 2019
What BANK OF HOLYROOD, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 62,344,000 | 62,128,000 | 63,390,000 | 62,601,000 |
| Total loans | 47,771,000 | 47,456,000 | 47,193,000 | 46,630,000 |
| Allowance for loan losses | 1,117,000 | 1,121,000 | 858,000 | 878,000 |
| Securities available for sale | 5,541,000 | 5,460,000 | 5,292,000 | 5,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,080,000 | 52,812,000 | 53,996,000 | 53,087,000 |
| Interest-bearing deposits | 44,266,000 | 43,590,000 | 44,434,000 | 44,110,000 |
| Noninterest-bearing deposits | 8,814,000 | 9,222,000 | 9,562,000 | 8,977,000 |
| Equity capital | 9,177,000 | 9,220,000 | 9,291,000 | 9,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,447,000 | 2,208,000 | 2,962,000 |
| Interest expense | 147,000 | 305,000 | 487,000 | 665,000 |
| Net interest income | 607,000 | 1,142,000 | 1,721,000 | 2,297,000 |
| Noninterest income | 17,000 | 42,000 | 55,000 | 69,000 |
| Noninterest expense | 281,000 | 561,000 | 854,000 | 1,155,000 |
| Provision for loan losses | 80,000 | 170,000 | 270,000 | 345,000 |
| Pretax income | 261,000 | 451,000 | 650,000 | 864,000 |
| Income tax | 13,000 | 23,000 | 32,000 | 29,000 |
| Net income | 248,000 | 428,000 | 618,000 | 835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,217,000 | 9,188,000 | 9,238,000 | 9,314,000 |
| Total capital | 9,762,000 | 9,735,000 | 9,784,000 | 9,858,000 |
| Risk-weighted assets | 43,003,000 | 43,180,000 | 43,369,000 | 43,147,000 |