Call reports 2001
BEDFORD LOAN & DEPOSIT BANK — 2001
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 48,802,000 | 47,460,000 | 47,651,000 | 49,638,000 |
| Total loans | 32,298,000 | 32,232,000 | 32,246,000 | 31,872,000 |
| Allowance for loan losses | 468,000 | 472,000 | 447,000 | 454,000 |
| Securities available for sale | 10,449,000 | 7,289,000 | 6,786,000 | 8,533,000 |
| Securities held to maturity | 1,168,000 | 3,802,000 | 5,051,000 | 6,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,810,000 | 37,440,000 | 37,568,000 | 38,466,000 |
| Interest-bearing deposits | 34,214,000 | 33,222,000 | 32,819,000 | 33,797,000 |
| Noninterest-bearing deposits | 4,596,000 | 4,218,000 | 4,749,000 | 4,669,000 |
| Equity capital | 7,169,000 | 7,247,000 | 7,427,000 | 7,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 1,872,000 | 2,767,000 | 3,644,000 |
| Interest expense | 459,000 | 903,000 | 1,323,000 | 1,699,000 |
| Net interest income | 471,000 | 969,000 | 1,444,000 | 1,945,000 |
| Noninterest income | 92,000 | 176,000 | 258,000 | 351,000 |
| Noninterest expense | 361,000 | 751,000 | 1,106,000 | 1,489,000 |
| Provision for loan losses | 29,000 | 37,000 | 51,000 | 67,000 |
| Pretax income | 173,000 | 357,000 | 545,000 | 740,000 |
| Income tax | 43,000 | 93,000 | 140,000 | 207,000 |
| Net income | 130,000 | 264,000 | 405,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,071,000 | 7,154,000 | 7,295,000 | 7,343,000 |
| Total capital | 7,539,000 | 7,495,000 | 7,638,000 | 7,688,000 |
| Risk-weighted assets | 49,120,000 | 27,144,000 | 27,343,000 | 27,361,000 |