Call reports 2020
BANK OF HOLYROOD, THE — 2020
What BANK OF HOLYROOD, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 63,091,000 | 65,366,000 | 66,439,000 | 66,503,000 |
| Total loans | 45,634,000 | 48,484,000 | 46,884,000 | 43,939,000 |
| Allowance for loan losses | 909,000 | 809,000 | 823,000 | 735,000 |
| Securities available for sale | 6,078,000 | 6,001,000 | 6,237,000 | 5,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,610,000 | 55,574,000 | 56,540,000 | 56,577,000 |
| Interest-bearing deposits | 44,567,000 | 46,442,000 | 46,745,000 | 47,492,000 |
| Noninterest-bearing deposits | 9,043,000 | 9,132,000 | 9,795,000 | 9,085,000 |
| Equity capital | 9,364,000 | 9,688,000 | 9,829,000 | 9,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,456,000 | 2,146,000 | 2,808,000 |
| Interest expense | 173,000 | 327,000 | 463,000 | 581,000 |
| Net interest income | 558,000 | 1,129,000 | 1,683,000 | 2,227,000 |
| Noninterest income | 14,000 | 24,000 | 36,000 | 46,000 |
| Noninterest expense | 318,000 | 598,000 | 909,000 | 1,244,000 |
| Provision for loan losses | 60,000 | 145,000 | 225,000 | 310,000 |
| Pretax income | 195,000 | 411,000 | 610,000 | 748,000 |
| Income tax | 9,000 | 21,000 | 30,000 | 28,000 |
| Net income | 186,000 | 390,000 | 580,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,338,000 | 9,504,000 | 9,619,000 | 9,659,000 |
| Total capital | 9,875,000 | 10,076,000 | 10,176,000 | 10,188,000 |
| Risk-weighted assets | 42,591,000 | 45,543,000 | 44,305,000 | 42,085,000 |