Call reports 2011
BEDFORD LOAN & DEPOSIT BANK — 2011
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 83,817,000 | 82,677,000 | 83,396,000 | 83,657,000 |
| Total loans | 53,734,000 | 53,482,000 | 53,741,000 | 52,369,000 |
| Allowance for loan losses | 839,000 | 865,000 | 843,000 | 800,000 |
| Securities available for sale | 20,735,000 | 21,713,000 | 21,262,000 | 21,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,427,000 | 67,995,000 | 68,398,000 | 69,499,000 |
| Interest-bearing deposits | 59,213,000 | 57,536,000 | 57,834,000 | 58,702,000 |
| Noninterest-bearing deposits | 10,214,000 | 10,459,000 | 10,564,000 | 10,797,000 |
| Equity capital | 10,506,000 | 10,842,000 | 11,165,000 | 11,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,123,000 | 3,156,000 | 4,157,000 |
| Interest expense | 253,000 | 496,000 | 738,000 | 967,000 |
| Net interest income | 813,000 | 1,627,000 | 2,418,000 | 3,190,000 |
| Noninterest income | 202,000 | 414,000 | 635,000 | 843,000 |
| Noninterest expense | 763,000 | 1,512,000 | 2,314,000 | 3,070,000 |
| Provision for loan losses | 38,000 | 76,000 | 114,000 | 152,000 |
| Pretax income | 214,000 | 453,000 | 625,000 | 811,000 |
| Income tax | 41,000 | 91,000 | 118,000 | 131,000 |
| Net income | 173,000 | 362,000 | 507,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,285,000 | 10,407,000 | 10,552,000 | 10,434,000 |
| Total capital | 10,899,000 | 11,011,000 | 11,158,000 | 11,034,000 |
| Risk-weighted assets | 48,887,000 | 48,087,000 | 48,245,000 | 47,797,000 |