Call reports 2003
BANK OF BRADFORD, THE — 2003
What BANK OF BRADFORD, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,371,000 | 39,866,000 | 39,412,000 | 39,415,000 |
| Total loans | 10,762,000 | 10,693,000 | 10,941,000 | 10,587,000 |
| Allowance for loan losses | 313,000 | 312,000 | 313,000 | 312,000 |
| Securities available for sale | 2,054,000 | 2,567,000 | 4,063,000 | 3,544,000 |
| Securities held to maturity | 16,495,000 | 14,863,000 | 12,281,000 | 13,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,298,000 | 33,702,000 | 33,191,000 | 33,384,000 |
| Interest-bearing deposits | 29,923,000 | 30,270,000 | 30,161,000 | 29,862,000 |
| Noninterest-bearing deposits | 3,375,000 | 3,432,000 | 3,030,000 | 3,522,000 |
| Equity capital | 5,901,000 | 5,968,000 | 6,014,000 | 5,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 796,000 | 1,154,000 | 1,506,000 |
| Interest expense | 126,000 | 242,000 | 346,000 | 440,000 |
| Net interest income | 285,000 | 554,000 | 808,000 | 1,066,000 |
| Noninterest income | 42,000 | 90,000 | 138,000 | 180,000 |
| Noninterest expense | 218,000 | 437,000 | 668,000 | 941,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 109,000 | 207,000 | 278,000 | 303,000 |
| Income tax | 37,000 | 73,000 | 90,000 | 88,000 |
| Net income | 72,000 | 134,000 | 188,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,903,000 | 5,965,000 | 6,018,000 | 5,961,000 |
| Total capital | 6,081,000 | 6,145,000 | 6,199,000 | 6,138,000 |
| Risk-weighted assets | 14,085,000 | 14,284,000 | 14,339,000 | 14,006,000 |