Call reports 2021
BANK OF HOLYROOD, THE — 2021
What BANK OF HOLYROOD, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 70,458,000 | 69,430,000 | 72,188,000 | 70,047,000 |
| Total loans | 43,654,000 | 43,561,000 | 43,174,000 | 43,860,000 |
| Allowance for loan losses | 695,000 | 714,000 | 753,000 | 753,000 |
| Securities available for sale | 10,362,000 | 11,464,000 | 12,478,000 | 14,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,429,000 | 59,262,000 | 61,994,000 | 59,919,000 |
| Interest-bearing deposits | 49,619,000 | 47,763,000 | 48,982,000 | 46,280,000 |
| Noninterest-bearing deposits | 10,810,000 | 11,499,000 | 13,012,000 | 13,639,000 |
| Equity capital | 9,977,000 | 10,117,000 | 10,152,000 | 10,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,471,000 | 2,130,000 | 2,796,000 |
| Interest expense | 110,000 | 207,000 | 301,000 | 390,000 |
| Net interest income | 656,000 | 1,264,000 | 1,829,000 | 2,406,000 |
| Noninterest income | 11,000 | 22,000 | 33,000 | 44,000 |
| Noninterest expense | 358,000 | 613,000 | 1,010,000 | 1,358,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 260,000 |
| Pretax income | 260,000 | 565,000 | 668,000 | 863,000 |
| Income tax | 12,000 | 26,000 | 32,000 | 41,000 |
| Net income | 248,000 | 539,000 | 636,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,807,000 | 9,999,000 | 9,995,000 | 10,081,000 |
| Total capital | 10,322,000 | 10,519,000 | 10,527,000 | 10,627,000 |
| Risk-weighted assets | 40,985,000 | 41,445,000 | 42,312,000 | 43,437,000 |