Call reports 2003
BEDFORD LOAN & DEPOSIT BANK — 2003
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,075,000 | 60,449,000 | 60,286,000 | 65,201,000 |
| Total loans | 38,551,000 | 40,564,000 | 40,094,000 | 39,816,000 |
| Allowance for loan losses | 474,000 | 482,000 | 516,000 | 459,000 |
| Securities available for sale | 11,579,000 | 9,163,000 | 8,063,000 | 12,457,000 |
| Securities held to maturity | 4,789,000 | 4,536,000 | 3,785,000 | 2,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,359,000 | 49,751,000 | 49,276,000 | 55,084,000 |
| Interest-bearing deposits | 44,552,000 | 42,692,000 | 42,613,000 | 47,016,000 |
| Noninterest-bearing deposits | 6,807,000 | 7,059,000 | 6,663,000 | 8,068,000 |
| Equity capital | 7,875,000 | 7,699,000 | 7,722,000 | 7,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,777,000 | 2,659,000 | 3,519,000 |
| Interest expense | 336,000 | 651,000 | 962,000 | 1,279,000 |
| Net interest income | 551,000 | 1,126,000 | 1,697,000 | 2,240,000 |
| Noninterest income | 150,000 | 324,000 | 510,000 | 679,000 |
| Noninterest expense | 609,000 | 1,206,000 | 1,773,000 | 2,390,000 |
| Provision for loan losses | 18,000 | 42,000 | 75,000 | 78,000 |
| Pretax income | 74,000 | 202,000 | 359,000 | 451,000 |
| Income tax | 12,000 | 42,000 | 86,000 | 96,000 |
| Net income | 62,000 | 160,000 | 273,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,705,000 | 7,468,000 | 7,581,000 | 7,597,000 |
| Total capital | 8,126,000 | 7,897,000 | 8,006,000 | 8,035,000 |
| Risk-weighted assets | 33,629,000 | 34,284,000 | 33,922,000 | 35,039,000 |