Call reports 2009
BEDFORD LOAN & DEPOSIT BANK — 2009
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,723,000 | 76,985,000 | 75,834,000 | 80,900,000 |
| Total loans | 47,559,000 | 49,189,000 | 50,406,000 | 52,475,000 |
| Allowance for loan losses | 637,000 | 577,000 | 637,000 | 723,000 |
| Securities available for sale | 20,056,000 | 19,865,000 | 19,310,000 | 18,352,000 |
| Securities held to maturity | 580,000 | 580,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,128,000 | 62,984,000 | 60,615,000 | 65,161,000 |
| Interest-bearing deposits | 53,958,000 | 53,381,000 | 52,274,000 | 54,673,000 |
| Noninterest-bearing deposits | 10,170,000 | 9,603,000 | 8,341,000 | 10,488,000 |
| Equity capital | 9,614,000 | 9,732,000 | 10,131,000 | 10,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,165,000 | 3,256,000 | 4,367,000 |
| Interest expense | 366,000 | 716,000 | 1,029,000 | 1,327,000 |
| Net interest income | 690,000 | 1,449,000 | 2,227,000 | 3,040,000 |
| Noninterest income | 214,000 | 491,000 | 745,000 | 1,009,000 |
| Noninterest expense | 796,000 | 1,553,000 | 2,349,000 | 3,087,000 |
| Provision for loan losses | 15,000 | 41,000 | 156,000 | 255,000 |
| Pretax income | 93,000 | 346,000 | 467,000 | 707,000 |
| Income tax | 6,000 | 63,000 | 76,000 | 131,000 |
| Net income | 87,000 | 283,000 | 391,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,464,000 | 9,571,000 | 9,679,000 | 9,795,000 |
| Total capital | 10,009,000 | 10,134,000 | 10,262,000 | 10,402,000 |
| Risk-weighted assets | 43,492,000 | 45,059,000 | 46,594,000 | 48,391,000 |