Call reports 2001
BANK OF BRADFORD, THE — 2001
What BANK OF BRADFORD, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 39,478,000 | 39,152,000 | 39,578,000 | 39,443,000 |
| Total loans | 11,445,000 | 11,141,000 | 10,918,000 | 11,303,000 |
| Allowance for loan losses | 293,000 | 292,000 | 289,000 | 301,000 |
| Securities available for sale | 3,759,000 | 3,305,000 | 3,238,000 | 5,755,000 |
| Securities held to maturity | 17,554,000 | 17,753,000 | 17,973,000 | 15,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,520,000 | 33,116,000 | 33,422,000 | 33,543,000 |
| Interest-bearing deposits | 30,345,000 | 29,788,000 | 30,134,000 | 29,856,000 |
| Noninterest-bearing deposits | 3,175,000 | 3,328,000 | 3,288,000 | 3,687,000 |
| Equity capital | 5,531,000 | 5,614,000 | 5,694,000 | 5,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,296,000 | 1,875,000 | 2,424,000 |
| Interest expense | 366,000 | 717,000 | 1,036,000 | 1,304,000 |
| Net interest income | 307,000 | 579,000 | 839,000 | 1,120,000 |
| Noninterest income | 38,000 | 78,000 | 112,000 | 154,000 |
| Noninterest expense | 198,000 | 398,000 | 597,000 | 843,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 147,000 | 259,000 | 354,000 | 406,000 |
| Income tax | 52,000 | 83,000 | 108,000 | 130,000 |
| Net income | 95,000 | 176,000 | 246,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,525,000 | 5,607,000 | 5,677,000 | 5,629,000 |
| Total capital | 5,709,000 | 5,789,000 | 5,859,000 | 5,812,000 |
| Risk-weighted assets | 14,576,000 | 14,427,000 | 14,464,000 | 14,508,000 |