Call reports 2014
BEDFORD LOAN & DEPOSIT BANK — 2014
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 87,073,000 | 88,746,000 | 86,544,000 | 87,252,000 |
| Total loans | 47,631,000 | 46,613,000 | 46,977,000 | 47,000,000 |
| Allowance for loan losses | 840,000 | 888,000 | 774,000 | 827,000 |
| Securities available for sale | 31,466,000 | 33,172,000 | 32,739,000 | 32,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,800,000 | 75,475,000 | 72,468,000 | 73,142,000 |
| Interest-bearing deposits | 60,400,000 | 61,945,000 | 59,563,000 | 60,433,000 |
| Noninterest-bearing deposits | 13,400,000 | 13,530,000 | 12,905,000 | 12,709,000 |
| Equity capital | 11,209,000 | 11,519,000 | 11,638,000 | 11,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,682,000 | 2,562,000 | 3,431,000 |
| Interest expense | 126,000 | 251,000 | 377,000 | 493,000 |
| Net interest income | 750,000 | 1,431,000 | 2,185,000 | 2,938,000 |
| Noninterest income | 230,000 | 433,000 | 614,000 | 808,000 |
| Noninterest expense | 832,000 | 1,661,000 | 2,431,000 | 3,207,000 |
| Provision for loan losses | 47,000 | 94,000 | 141,000 | 188,000 |
| Pretax income | 101,000 | 195,000 | 313,000 | 437,000 |
| Income tax | 2,000 | 0 | 6,000 | 0 |
| Net income | 99,000 | 195,000 | 307,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,395,000 | 11,432,000 | 11,482,000 | 11,554,000 |
| Total capital | 11,982,000 | 12,016,000 | 12,061,000 | 12,133,000 |
| Risk-weighted assets | 46,729,000 | 46,394,000 | 46,115,000 | 46,034,000 |