Call reports 2004
BANK OF BRADFORD, THE — 2004
What BANK OF BRADFORD, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,763,000 | 39,318,000 | 38,932,000 | 38,472,000 |
| Total loans | 10,764,000 | 11,028,000 | 11,435,000 | 11,065,000 |
| Allowance for loan losses | 315,000 | 314,000 | 316,000 | 317,000 |
| Securities available for sale | 2,024,000 | 4,482,000 | 5,575,000 | 6,106,000 |
| Securities held to maturity | 15,692,000 | 14,006,000 | 13,910,000 | 14,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,623,000 | 33,130,000 | 32,655,000 | 32,343,000 |
| Interest-bearing deposits | 30,015,000 | 30,031,000 | 29,358,000 | 28,494,000 |
| Noninterest-bearing deposits | 3,608,000 | 3,099,000 | 3,297,000 | 3,849,000 |
| Equity capital | 6,012,000 | 6,042,000 | 6,110,000 | 6,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 696,000 | 1,058,000 | 1,426,000 |
| Interest expense | 84,000 | 165,000 | 248,000 | 337,000 |
| Net interest income | 265,000 | 531,000 | 810,000 | 1,089,000 |
| Noninterest income | 42,000 | 85,000 | 126,000 | 161,000 |
| Noninterest expense | 224,000 | 464,000 | 699,000 | 959,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 152,000 | 237,000 | 291,000 |
| Income tax | 31,000 | 46,000 | 71,000 | 91,000 |
| Net income | 52,000 | 106,000 | 166,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,013,000 | 6,067,000 | 6,126,000 | 6,085,000 |
| Total capital | 6,193,000 | 6,248,000 | 6,308,000 | 6,262,000 |
| Risk-weighted assets | 14,275,000 | 14,357,000 | 14,409,000 | 13,984,000 |