Call reports 2006
BANK OF BRADFORD, THE — 2006
What BANK OF BRADFORD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 37,747,000 | 39,776,000 | 39,175,000 | 37,759,000 |
| Total loans | 11,739,000 | 11,448,000 | 11,895,000 | 11,503,000 |
| Allowance for loan losses | 313,000 | 314,000 | 314,000 | 314,000 |
| Securities available for sale | 6,095,000 | 9,292,000 | 12,311,000 | 14,774,000 |
| Securities held to maturity | 14,349,000 | 12,696,000 | 10,037,000 | 7,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,334,000 | 33,215,000 | 32,336,000 | 31,271,000 |
| Interest-bearing deposits | 27,559,000 | 28,782,000 | 28,323,000 | 27,046,000 |
| Noninterest-bearing deposits | 3,775,000 | 4,432,000 | 4,014,000 | 4,225,000 |
| Equity capital | 6,191,000 | 6,261,000 | 6,430,000 | 6,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 456,000 | 972,000 | 1,515,000 | 2,066,000 |
| Interest expense | 166,000 | 349,000 | 549,000 | 756,000 |
| Net interest income | 290,000 | 623,000 | 966,000 | 1,310,000 |
| Noninterest income | 36,000 | 71,000 | 112,000 | 151,000 |
| Noninterest expense | 240,000 | 456,000 | 689,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 238,000 | 389,000 | 456,000 |
| Income tax | 26,000 | 81,000 | 131,000 | 142,000 |
| Net income | 60,000 | 157,000 | 258,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,216,000 | 6,312,000 | 6,414,000 | 6,181,000 |
| Total capital | 6,401,000 | 6,502,000 | 6,605,000 | 6,362,000 |
| Risk-weighted assets | 14,669,000 | 15,107,000 | 15,143,000 | 14,372,000 |