Call reports 2012
BEDFORD LOAN & DEPOSIT BANK — 2012
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 87,366,000 | 86,214,000 | 86,006,000 | 87,055,000 |
| Total loans | 52,320,000 | 50,489,000 | 49,706,000 | 49,562,000 |
| Allowance for loan losses | 835,000 | 762,000 | 793,000 | 868,000 |
| Securities available for sale | 25,784,000 | 25,429,000 | 28,865,000 | 30,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,192,000 | 71,868,000 | 71,419,000 | 72,995,000 |
| Interest-bearing deposits | 61,098,000 | 60,002,000 | 60,080,000 | 61,179,000 |
| Noninterest-bearing deposits | 12,094,000 | 11,866,000 | 11,339,000 | 11,816,000 |
| Equity capital | 11,115,000 | 11,258,000 | 11,485,000 | 11,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 1,935,000 | 2,909,000 | 3,859,000 |
| Interest expense | 206,000 | 398,000 | 580,000 | 754,000 |
| Net interest income | 775,000 | 1,537,000 | 2,329,000 | 3,105,000 |
| Noninterest income | 194,000 | 380,000 | 584,000 | 776,000 |
| Noninterest expense | 773,000 | 1,546,000 | 2,311,000 | 3,101,000 |
| Provision for loan losses | 53,000 | 129,000 | 181,000 | 234,000 |
| Pretax income | 143,000 | 242,000 | 421,000 | 546,000 |
| Income tax | 19,000 | 22,000 | 52,000 | 54,000 |
| Net income | 124,000 | 220,000 | 369,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,558,000 | 10,588,000 | 10,738,000 | 10,798,000 |
| Total capital | 11,162,000 | 11,181,000 | 11,332,000 | 11,399,000 |
| Risk-weighted assets | 48,049,000 | 47,269,000 | 47,337,000 | 47,843,000 |