Call reports 2005
BANK OF BRADFORD, THE — 2005
What BANK OF BRADFORD, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,136,000 | 37,366,000 | 36,897,000 | 36,971,000 |
| Total loans | 10,695,000 | 11,172,000 | 11,314,000 | 11,045,000 |
| Allowance for loan losses | 317,000 | 313,000 | 314,000 | 313,000 |
| Securities available for sale | 8,114,000 | 8,688,000 | 7,651,000 | 7,085,000 |
| Securities held to maturity | 14,097,000 | 13,052,000 | 12,913,000 | 13,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,927,000 | 31,025,000 | 30,456,000 | 30,704,000 |
| Interest-bearing deposits | 28,347,000 | 27,566,000 | 26,942,000 | 27,002,000 |
| Noninterest-bearing deposits | 3,580,000 | 3,459,000 | 3,514,000 | 3,702,000 |
| Equity capital | 6,074,000 | 6,141,000 | 6,197,000 | 6,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 769,000 | 1,183,000 | 1,618,000 |
| Interest expense | 102,000 | 218,000 | 352,000 | 503,000 |
| Net interest income | 270,000 | 551,000 | 831,000 | 1,115,000 |
| Noninterest income | 42,000 | 77,000 | 117,000 | 156,000 |
| Noninterest expense | 245,000 | 486,000 | 728,000 | 1,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 142,000 | 220,000 | 240,000 |
| Income tax | 23,000 | 45,000 | 65,000 | 56,000 |
| Net income | 44,000 | 97,000 | 155,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,115,000 | 6,168,000 | 6,227,000 | 6,156,000 |
| Total capital | 6,288,000 | 6,344,000 | 6,404,000 | 6,331,000 |
| Risk-weighted assets | 13,670,000 | 13,913,000 | 14,038,000 | 13,854,000 |