Call reports 2008
BANK OF BRADFORD, THE — 2008
What BANK OF BRADFORD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 37,340,000 | 38,054,000 | 37,948,000 |
| Total loans | 12,340,000 | 12,785,000 | 13,076,000 |
| Allowance for loan losses | 306,000 | 305,000 | 306,000 |
| Securities available for sale | 18,674,000 | 18,763,000 | 19,262,000 |
| Securities held to maturity | 2,874,000 | 1,722,000 | 1,023,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 33,760,000 | 32,967,000 | 32,763,000 |
| Interest-bearing deposits | 29,554,000 | 29,304,000 | 29,190,000 |
| Noninterest-bearing deposits | 4,206,000 | 3,663,000 | 3,573,000 |
| Equity capital | 3,185,000 | 4,757,000 | 4,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 534,000 | 1,050,000 | 1,559,000 |
| Interest expense | 219,000 | 423,000 | 613,000 |
| Net interest income | 315,000 | 627,000 | 946,000 |
| Noninterest income | 31,000 | 66,000 | 97,000 |
| Noninterest expense | 246,000 | 503,000 | 760,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 100,000 | 195,000 | 288,000 |
| Income tax | 35,000 | 65,000 | 78,000 |
| Net income | 65,000 | 130,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 2,990,000 | 3,244,000 | 3,343,000 |
| Total capital | 3,175,000 | 3,435,000 | 3,537,000 |
| Risk-weighted assets | 14,684,000 | 15,129,000 | 15,435,000 |
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