Call reports 2024
BANK OF HOLYROOD, THE — 2024
What BANK OF HOLYROOD, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 67,302,000 | 66,692,000 | 65,145,000 | 63,428,000 |
| Total loans | 44,643,000 | 43,459,000 | 44,755,000 | 44,969,000 |
| Allowance for loan losses | 684,000 | 749,000 | 720,000 | 716,000 |
| Securities available for sale | 17,556,000 | 16,519,000 | 15,439,000 | 14,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,736,000 | 51,953,000 | 49,637,000 | 53,665,000 |
| Interest-bearing deposits | 39,279,000 | 39,066,000 | 37,142,000 | 39,466,000 |
| Noninterest-bearing deposits | 13,457,000 | 12,887,000 | 12,495,000 | 14,199,000 |
| Equity capital | 9,338,000 | 9,422,000 | 10,116,000 | 9,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,037,000 | 1,925,000 | 2,833,000 | 3,743,000 |
| Interest expense | 280,000 | 572,000 | 868,000 | 1,148,000 |
| Net interest income | 757,000 | 1,353,000 | 1,965,000 | 2,595,000 |
| Noninterest income | 7,000 | 14,000 | 20,000 | 30,000 |
| Noninterest expense | 322,000 | 640,000 | 953,000 | 1,453,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 280,000 |
| Pretax income | 389,000 | 608,000 | 855,000 | 902,000 |
| Income tax | 1,000 | 12,000 | 22,000 | 31,000 |
| Net income | 388,000 | 596,000 | 833,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,210,000 | 11,217,000 | 11,354,000 | 11,242,000 |
| Total capital | 11,775,000 | 11,778,000 | 11,935,000 | 11,817,000 |
| Risk-weighted assets | 45,115,000 | 44,664,000 | 46,327,000 | 45,888,000 |