Call reports 2002
BEDFORD LOAN & DEPOSIT BANK — 2002
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,852,000 | 57,164,000 | 59,211,000 | 61,925,000 |
| Total loans | 31,776,000 | 32,709,000 | 33,890,000 | 36,246,000 |
| Allowance for loan losses | 469,000 | 479,000 | 485,000 | 475,000 |
| Securities available for sale | 8,119,000 | 12,279,000 | 12,385,000 | 12,275,000 |
| Securities held to maturity | 5,997,000 | 5,242,000 | 5,327,000 | 5,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,697,000 | 45,947,000 | 48,901,000 | 51,726,000 |
| Interest-bearing deposits | 33,146,000 | 40,833,000 | 42,772,000 | 45,010,000 |
| Noninterest-bearing deposits | 5,551,000 | 5,114,000 | 6,129,000 | 6,716,000 |
| Equity capital | 7,528,000 | 7,661,000 | 7,854,000 | 7,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,714,000 | 2,616,000 | 3,532,000 |
| Interest expense | 359,000 | 728,000 | 1,109,000 | 1,477,000 |
| Net interest income | 480,000 | 986,000 | 1,507,000 | 2,055,000 |
| Noninterest income | 92,000 | 218,000 | 342,000 | 484,000 |
| Noninterest expense | 394,000 | 865,000 | 1,349,000 | 1,953,000 |
| Provision for loan losses | 15,000 | 26,000 | 37,000 | 61,000 |
| Pretax income | 163,000 | 333,000 | 483,000 | 545,000 |
| Income tax | 40,000 | 84,000 | 122,000 | 129,000 |
| Net income | 123,000 | 249,000 | 361,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,467,000 | 7,535,000 | 7,648,000 | 7,643,000 |
| Total capital | 7,800,000 | 7,896,000 | 8,025,000 | 8,044,000 |
| Risk-weighted assets | 26,536,000 | 28,779,000 | 30,075,000 | 32,006,000 |