Call reports 2005
BEDFORD LOAN & DEPOSIT BANK — 2005
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,440,000 | 66,180,000 | 67,669,000 | 67,824,000 |
| Total loans | 43,512,000 | 43,337,000 | 42,731,000 | 41,567,000 |
| Allowance for loan losses | 559,000 | 593,000 | 635,000 | 650,000 |
| Securities available for sale | 12,387,000 | 14,780,000 | 17,255,000 | 17,273,000 |
| Securities held to maturity | 888,000 | 889,000 | 889,000 | 889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,533,000 | 56,160,000 | 57,744,000 | 57,872,000 |
| Interest-bearing deposits | 46,383,000 | 47,897,000 | 48,939,000 | 48,980,000 |
| Noninterest-bearing deposits | 9,149,000 | 8,263,000 | 8,805,000 | 8,892,000 |
| Equity capital | 7,765,000 | 7,888,000 | 7,819,000 | 7,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,864,000 | 2,857,000 | 3,880,000 |
| Interest expense | 261,000 | 552,000 | 862,000 | 1,196,000 |
| Net interest income | 651,000 | 1,312,000 | 1,995,000 | 2,684,000 |
| Noninterest income | 191,000 | 391,000 | 619,000 | 828,000 |
| Noninterest expense | 634,000 | 1,282,000 | 1,948,000 | 2,568,000 |
| Provision for loan losses | 35,000 | 74,000 | 114,000 | 150,000 |
| Pretax income | 173,000 | 347,000 | 552,000 | 794,000 |
| Income tax | 46,000 | 94,000 | 147,000 | 210,000 |
| Net income | 127,000 | 253,000 | 405,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,839,000 | 7,901,000 | 7,912,000 | 8,025,000 |
| Total capital | 8,319,000 | 8,400,000 | 8,413,000 | 8,513,000 |
| Risk-weighted assets | 38,283,000 | 39,822,000 | 39,924,000 | 38,873,000 |