Call reports 2015
BEDFORD LOAN & DEPOSIT BANK — 2015
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 86,708,000 | 85,476,000 | 86,107,000 | 88,188,000 |
| Total loans | 44,525,000 | 44,598,000 | 45,735,000 | 46,873,000 |
| Allowance for loan losses | 834,000 | 853,000 | 818,000 | 813,000 |
| Securities available for sale | 33,944,000 | 32,011,000 | 31,638,000 | 32,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,322,000 | 71,501,000 | 71,876,000 | 73,959,000 |
| Interest-bearing deposits | 58,798,000 | 56,921,000 | 57,079,000 | 59,261,000 |
| Noninterest-bearing deposits | 13,524,000 | 14,580,000 | 14,797,000 | 14,698,000 |
| Equity capital | 12,139,000 | 11,854,000 | 12,097,000 | 12,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,618,000 | 2,474,000 | 3,329,000 |
| Interest expense | 108,000 | 207,000 | 303,000 | 397,000 |
| Net interest income | 680,000 | 1,411,000 | 2,171,000 | 2,932,000 |
| Noninterest income | 284,000 | 463,000 | 622,000 | 795,000 |
| Noninterest expense | 803,000 | 1,613,000 | 2,416,000 | 3,244,000 |
| Provision for loan losses | 38,000 | 56,000 | 59,000 | 60,000 |
| Pretax income | 123,000 | 205,000 | 318,000 | 423,000 |
| Income tax | 9,000 | 3,000 | 6,000 | -15,000 |
| Net income | 114,000 | 202,000 | 312,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,669,000 | 11,700,000 | 11,775,000 | 11,846,000 |
| Total capital | 12,228,000 | 12,262,000 | 12,346,000 | 12,432,000 |
| Risk-weighted assets | 44,489,000 | 44,636,000 | 45,441,000 | 46,680,000 |