Call reports 2006
BEDFORD LOAN & DEPOSIT BANK — 2006
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,364,000 | 67,916,000 | 69,752,000 | 68,938,000 |
| Total loans | 42,129,000 | 42,138,000 | 43,041,000 | 43,008,000 |
| Allowance for loan losses | 679,000 | 707,000 | 720,000 | 716,000 |
| Securities available for sale | 16,875,000 | 17,128,000 | 17,844,000 | 16,969,000 |
| Securities held to maturity | 889,000 | 889,000 | 889,000 | 889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,549,000 | 58,220,000 | 59,727,000 | 58,873,000 |
| Interest-bearing deposits | 49,500,000 | 48,483,000 | 49,054,000 | 49,910,000 |
| Noninterest-bearing deposits | 9,048,000 | 9,737,000 | 10,673,000 | 8,963,000 |
| Equity capital | 7,937,000 | 7,900,000 | 8,230,000 | 8,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,078,000 | 3,159,000 | 4,253,000 |
| Interest expense | 359,000 | 739,000 | 1,155,000 | 1,594,000 |
| Net interest income | 671,000 | 1,339,000 | 2,004,000 | 2,659,000 |
| Noninterest income | 173,000 | 363,000 | 611,000 | 807,000 |
| Noninterest expense | 691,000 | 1,378,000 | 2,084,000 | 2,714,000 |
| Provision for loan losses | 30,000 | 58,000 | 80,000 | 95,000 |
| Pretax income | 123,000 | 266,000 | 451,000 | 657,000 |
| Income tax | 21,000 | 51,000 | 93,000 | 146,000 |
| Net income | 102,000 | 215,000 | 358,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,128,000 | 8,176,000 | 8,319,000 | 8,406,000 |
| Total capital | 8,631,000 | 8,680,000 | 8,829,000 | 8,916,000 |
| Risk-weighted assets | 40,033,000 | 40,116,000 | 40,578,000 | 40,570,000 |