Call reports 2010
BEDFORD LOAN & DEPOSIT BANK — 2010
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 80,390,000 | 80,588,000 | 81,805,000 | 83,545,000 |
| Total loans | 52,470,000 | 52,298,000 | 53,414,000 | 54,687,000 |
| Allowance for loan losses | 705,000 | 845,000 | 879,000 | 897,000 |
| Securities available for sale | 18,351,000 | 20,662,000 | 21,717,000 | 21,238,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,342,000 | 65,796,000 | 66,816,000 | 69,201,000 |
| Interest-bearing deposits | 55,751,000 | 55,871,000 | 56,364,000 | 59,103,000 |
| Noninterest-bearing deposits | 9,591,000 | 9,925,000 | 10,452,000 | 10,098,000 |
| Equity capital | 10,288,000 | 10,446,000 | 10,591,000 | 10,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,207,000 | 3,335,000 | 4,451,000 |
| Interest expense | 285,000 | 566,000 | 843,000 | 1,119,000 |
| Net interest income | 769,000 | 1,641,000 | 2,492,000 | 3,332,000 |
| Noninterest income | 209,000 | 466,000 | 693,000 | 909,000 |
| Noninterest expense | 754,000 | 1,488,000 | 2,324,000 | 3,105,000 |
| Provision for loan losses | 42,000 | 114,000 | 160,000 | 204,000 |
| Pretax income | 182,000 | 505,000 | 701,000 | 932,000 |
| Income tax | 34,000 | 113,000 | 146,000 | 203,000 |
| Net income | 148,000 | 392,000 | 555,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,944,000 | 10,081,000 | 10,050,000 | 10,157,000 |
| Total capital | 10,553,000 | 10,689,000 | 10,664,000 | 10,778,000 |
| Risk-weighted assets | 48,628,000 | 48,386,000 | 48,863,000 | 49,370,000 |