Call reports 2007
BEDFORD LOAN & DEPOSIT BANK — 2007
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 69,199,000 | 69,667,000 | 73,181,000 | 76,000,000 |
| Total loans | 43,169,000 | 45,398,000 | 46,430,000 | 46,470,000 |
| Allowance for loan losses | 723,000 | 704,000 | 755,000 | 694,000 |
| Securities available for sale | 17,018,000 | 16,907,000 | 16,512,000 | 16,976,000 |
| Securities held to maturity | 889,000 | 779,000 | 779,000 | 780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,103,000 | 59,598,000 | 61,362,000 | 64,516,000 |
| Interest-bearing deposits | 49,465,000 | 49,416,000 | 51,552,000 | 52,501,000 |
| Noninterest-bearing deposits | 9,638,000 | 10,182,000 | 9,809,000 | 12,016,000 |
| Equity capital | 8,415,000 | 8,395,000 | 8,617,000 | 8,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,198,000 | 3,365,000 | 4,571,000 |
| Interest expense | 444,000 | 908,000 | 1,405,000 | 1,928,000 |
| Net interest income | 638,000 | 1,290,000 | 1,960,000 | 2,643,000 |
| Noninterest income | 183,000 | 401,000 | 653,000 | 910,000 |
| Noninterest expense | 737,000 | 1,394,000 | 2,089,000 | 2,724,000 |
| Provision for loan losses | 12,000 | 20,000 | 44,000 | 65,000 |
| Pretax income | 72,000 | 277,000 | 480,000 | 764,000 |
| Income tax | 5,000 | 56,000 | 106,000 | 184,000 |
| Net income | 67,000 | 221,000 | 374,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,473,000 | 8,561,000 | 8,657,000 | 8,794,000 |
| Total capital | 8,980,000 | 9,086,000 | 9,197,000 | 9,343,000 |
| Risk-weighted assets | 40,311,000 | 41,835,000 | 43,015,000 | 43,780,000 |