Call reports 2004
BEDFORD LOAN & DEPOSIT BANK — 2004
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 65,854,000 | 65,113,000 | 62,377,000 | 63,217,000 |
| Total loans | 40,496,000 | 41,653,000 | 43,485,000 | 43,728,000 |
| Allowance for loan losses | 492,000 | 488,000 | 529,000 | 569,000 |
| Securities available for sale | 16,148,000 | 13,845,000 | 10,689,000 | 12,904,000 |
| Securities held to maturity | 2,639,000 | 2,139,000 | 1,888,000 | 888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,654,000 | 55,181,000 | 52,327,000 | 53,442,000 |
| Interest-bearing deposits | 47,851,000 | 46,798,000 | 43,915,000 | 44,785,000 |
| Noninterest-bearing deposits | 7,803,000 | 8,383,000 | 8,412,000 | 8,657,000 |
| Equity capital | 7,834,000 | 7,674,000 | 7,751,000 | 7,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,746,000 | 2,617,000 | 3,509,000 |
| Interest expense | 286,000 | 561,000 | 812,000 | 1,067,000 |
| Net interest income | 588,000 | 1,185,000 | 1,805,000 | 2,442,000 |
| Noninterest income | 161,000 | 350,000 | 544,000 | 727,000 |
| Noninterest expense | 610,000 | 1,243,000 | 1,826,000 | 2,451,000 |
| Provision for loan losses | 33,000 | 78,000 | 123,000 | 168,000 |
| Pretax income | 106,000 | 214,000 | 400,000 | 550,000 |
| Income tax | 24,000 | 47,000 | 99,000 | 134,000 |
| Net income | 82,000 | 167,000 | 301,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,679,000 | 7,699,000 | 7,665,000 | 7,712,000 |
| Total capital | 8,120,000 | 8,154,000 | 8,132,000 | 8,185,000 |
| Risk-weighted assets | 35,254,000 | 36,380,000 | 37,262,000 | 37,716,000 |