Call reports 2013
BEDFORD LOAN & DEPOSIT BANK — 2013
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,577,000 | 87,574,000 | 86,134,000 | 86,525,000 |
| Total loans | 49,075,000 | 49,875,000 | 49,545,000 | 49,399,000 |
| Allowance for loan losses | 758,000 | 826,000 | 831,000 | 849,000 |
| Securities available for sale | 28,580,000 | 29,120,000 | 29,191,000 | 28,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,654,000 | 74,550,000 | 72,787,000 | 73,455,000 |
| Interest-bearing deposits | 62,129,000 | 61,304,000 | 60,048,000 | 61,738,000 |
| Noninterest-bearing deposits | 13,525,000 | 13,246,000 | 12,739,000 | 11,717,000 |
| Equity capital | 11,517,000 | 10,719,000 | 10,964,000 | 10,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,825,000 | 2,745,000 | 3,654,000 |
| Interest expense | 161,000 | 317,000 | 462,000 | 597,000 |
| Net interest income | 763,000 | 1,508,000 | 2,283,000 | 3,057,000 |
| Noninterest income | 179,000 | 413,000 | 618,000 | 833,000 |
| Noninterest expense | 710,000 | 1,471,000 | 2,214,000 | 2,995,000 |
| Provision for loan losses | 42,000 | 85,000 | 126,000 | 168,000 |
| Pretax income | 190,000 | 365,000 | 561,000 | 727,000 |
| Income tax | 33,000 | 59,000 | 92,000 | 106,000 |
| Net income | 157,000 | 306,000 | 469,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,956,000 | 11,042,000 | 11,205,000 | 11,296,000 |
| Total capital | 11,557,000 | 11,650,000 | 11,810,000 | 11,899,000 |
| Risk-weighted assets | 47,954,000 | 48,419,000 | 48,163,000 | 48,013,000 |