Call reports 2023
BANK OF HOLYROOD, THE — 2023
What BANK OF HOLYROOD, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 72,303,000 | 68,944,000 | 67,663,000 | 68,388,000 |
| Total loans | 44,306,000 | 44,441,000 | 44,299,000 | 45,540,000 |
| Allowance for loan losses | 773,000 | 814,000 | 674,000 | 705,000 |
| Securities available for sale | 20,963,000 | 20,181,000 | 19,098,000 | 18,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,239,000 | 57,801,000 | 58,689,000 | 53,579,000 |
| Interest-bearing deposits | 49,175,000 | 45,004,000 | 45,887,000 | 38,487,000 |
| Noninterest-bearing deposits | 14,064,000 | 12,797,000 | 12,802,000 | 15,092,000 |
| Equity capital | 8,883,000 | 8,715,000 | 8,479,000 | 9,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,597,000 | 2,454,000 | 3,308,000 |
| Interest expense | 203,000 | 439,000 | 683,000 | 958,000 |
| Net interest income | 624,000 | 1,158,000 | 1,771,000 | 2,350,000 |
| Noninterest income | 11,000 | 20,000 | 28,000 | 35,000 |
| Noninterest expense | 297,000 | 624,000 | 915,000 | 1,355,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 283,000 | 447,000 | 725,000 | 826,000 |
| Income tax | 1,000 | 10,000 | 21,000 | 26,000 |
| Net income | 282,000 | 437,000 | 704,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,754,000 | 10,709,000 | 10,875,000 | 10,822,000 |
| Total capital | 11,318,000 | 11,269,000 | 11,431,000 | 11,416,000 |
| Risk-weighted assets | 44,905,000 | 44,507,000 | 44,260,000 | 47,414,000 |