Call reports 2007
BANK OF BRADFORD, THE — 2007
What BANK OF BRADFORD, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,294,000 | 36,519,000 | 36,866,000 | 37,242,000 |
| Total loans | 11,820,000 | 12,542,000 | 12,506,000 | 11,266,000 |
| Allowance for loan losses | 314,000 | 296,000 | 297,000 | 299,000 |
| Securities available for sale | 15,100,000 | 15,621,000 | 16,369,000 | 16,202,000 |
| Securities held to maturity | 6,077,000 | 5,003,000 | 3,456,000 | 3,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,654,000 | 29,799,000 | 29,921,000 | 30,304,000 |
| Interest-bearing deposits | 26,815,000 | 26,294,000 | 26,423,000 | 26,570,000 |
| Noninterest-bearing deposits | 3,839,000 | 3,505,000 | 3,498,000 | 3,734,000 |
| Equity capital | 6,303,000 | 6,325,000 | 6,484,000 | 6,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,116,000 | 1,675,000 | 2,236,000 |
| Interest expense | 205,000 | 416,000 | 638,000 | 860,000 |
| Net interest income | 348,000 | 700,000 | 1,037,000 | 1,376,000 |
| Noninterest income | 37,000 | 77,000 | 116,000 | 152,000 |
| Noninterest expense | 224,000 | 466,000 | 708,000 | 1,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 161,000 | 311,000 | 445,000 | 499,000 |
| Income tax | 51,000 | 97,000 | 145,000 | 154,000 |
| Net income | 110,000 | 214,000 | 300,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,291,000 | 6,395,000 | 6,481,000 | 6,525,000 |
| Total capital | 6,465,000 | 6,584,000 | 6,670,000 | 6,700,000 |
| Risk-weighted assets | 13,792,000 | 15,037,000 | 15,002,000 | 13,884,000 |