Call reports 2025
BANK OF HOLYROOD, THE — 2025
What BANK OF HOLYROOD, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 66,278,000 | 65,258,000 | 64,661,000 | 64,627,000 |
| Total loans | 43,270,000 | 42,130,000 | 41,177,000 | 40,246,000 |
| Allowance for loan losses | 789,000 | 629,000 | 708,000 | 677,000 |
| Securities available for sale | 14,107,000 | 15,739,000 | 17,263,000 | 16,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,999,000 | 54,947,000 | 53,913,000 | 53,790,000 |
| Interest-bearing deposits | 42,684,000 | 42,550,000 | 41,422,000 | 40,536,000 |
| Noninterest-bearing deposits | 13,315,000 | 12,397,000 | 12,491,000 | 13,254,000 |
| Equity capital | 10,037,000 | 10,124,000 | 10,518,000 | 10,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,739,000 | 2,594,000 | 3,450,000 |
| Interest expense | 269,000 | 542,000 | 819,000 | 1,092,000 |
| Net interest income | 617,000 | 1,197,000 | 1,775,000 | 2,358,000 |
| Noninterest income | 9,000 | 14,000 | 22,000 | 30,000 |
| Noninterest expense | 303,000 | 636,000 | 982,000 | 1,397,000 |
| Provision for loan losses | 60,000 | 120,000 | 240,000 | 240,000 |
| Pretax income | 262,000 | 455,000 | 567,000 | 744,000 |
| Income tax | -1,000 | 10,000 | 18,000 | 22,000 |
| Net income | 263,000 | 445,000 | 549,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,505,000 | 11,487,000 | 11,491,000 | 11,514,000 |
| Total capital | 12,073,000 | 12,049,000 | 12,029,000 | 12,047,000 |
| Risk-weighted assets | 45,195,000 | 44,796,000 | 42,877,000 | 42,465,000 |