Call reports 2002
BANK OF BRADFORD, THE — 2002
What BANK OF BRADFORD, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,663,000 | 38,860,000 | 38,469,000 | 38,641,000 |
| Total loans | 11,079,000 | 11,199,000 | 11,087,000 | 10,850,000 |
| Allowance for loan losses | 304,000 | 308,000 | 309,000 | 311,000 |
| Securities available for sale | 7,749,000 | 6,936,000 | 4,893,000 | 2,561,000 |
| Securities held to maturity | 13,126,000 | 13,560,000 | 15,129,000 | 16,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,682,000 | 32,781,000 | 32,303,000 | 32,676,000 |
| Interest-bearing deposits | 29,996,000 | 29,414,000 | 29,127,000 | 29,211,000 |
| Noninterest-bearing deposits | 3,686,000 | 3,367,000 | 3,176,000 | 3,465,000 |
| Equity capital | 5,709,000 | 5,802,000 | 5,880,000 | 5,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 978,000 | 1,439,000 | 1,879,000 |
| Interest expense | 211,000 | 395,000 | 563,000 | 709,000 |
| Net interest income | 289,000 | 583,000 | 876,000 | 1,170,000 |
| Noninterest income | 31,000 | 69,000 | 103,000 | 140,000 |
| Noninterest expense | 204,000 | 410,000 | 620,000 | 887,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 116,000 | 242,000 | 359,000 | 420,000 |
| Income tax | 33,000 | 78,000 | 116,000 | 139,000 |
| Net income | 83,000 | 164,000 | 243,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,712,000 | 5,792,000 | 5,871,000 | 5,831,000 |
| Total capital | 5,893,000 | 5,973,000 | 6,050,000 | 6,008,000 |
| Risk-weighted assets | 14,381,000 | 14,321,000 | 14,214,000 | 14,060,000 |