Call reports 2022
BANK OF HOLYROOD, THE — 2022
What BANK OF HOLYROOD, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 74,628,000 | 73,372,000 | 71,268,000 | 73,569,000 |
| Total loans | 44,356,000 | 44,893,000 | 44,751,000 | 44,940,000 |
| Allowance for loan losses | 730,000 | 728,000 | 780,000 | 718,000 |
| Securities available for sale | 18,851,000 | 20,792,000 | 21,401,000 | 21,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,095,000 | 64,786,000 | 62,930,000 | 61,390,000 |
| Interest-bearing deposits | 51,155,000 | 50,840,000 | 46,289,000 | 46,553,000 |
| Noninterest-bearing deposits | 13,940,000 | 13,946,000 | 16,641,000 | 14,837,000 |
| Equity capital | 9,493,000 | 8,537,000 | 8,303,000 | 8,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,420,000 | 2,197,000 | 3,000,000 |
| Interest expense | 86,000 | 174,000 | 266,000 | 387,000 |
| Net interest income | 610,000 | 1,246,000 | 1,931,000 | 2,613,000 |
| Noninterest income | 12,000 | 22,000 | 31,000 | 41,000 |
| Noninterest expense | 301,000 | 607,000 | 980,000 | 1,433,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 320,000 |
| Pretax income | 259,000 | 532,000 | 796,000 | 890,000 |
| Income tax | 10,000 | 23,000 | 36,000 | 49,000 |
| Net income | 249,000 | 509,000 | 760,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,329,000 | 10,390,000 | 10,541,000 | 10,472,000 |
| Total capital | 10,896,000 | 10,969,000 | 11,111,000 | 11,058,000 |
| Risk-weighted assets | 45,222,000 | 46,174,000 | 45,398,000 | 46,763,000 |
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