Call reports 2016
BEDFORD LOAN & DEPOSIT BANK — 2016
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 88,907,000 | 89,818,000 | 92,910,000 | 92,543,000 |
| Total loans | 47,255,000 | 47,868,000 | 48,435,000 | 48,380,000 |
| Allowance for loan losses | 835,000 | 870,000 | 896,000 | 868,000 |
| Securities available for sale | 33,470,000 | 34,570,000 | 35,122,000 | 35,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,525,000 | 73,817,000 | 75,969,000 | 76,528,000 |
| Interest-bearing deposits | 57,563,000 | 57,036,000 | 58,206,000 | 60,343,000 |
| Noninterest-bearing deposits | 15,962,000 | 16,781,000 | 17,763,000 | 16,185,000 |
| Equity capital | 12,395,000 | 12,793,000 | 12,798,000 | 12,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,702,000 | 2,544,000 | 3,406,000 |
| Interest expense | 93,000 | 184,000 | 275,000 | 370,000 |
| Net interest income | 750,000 | 1,518,000 | 2,269,000 | 3,036,000 |
| Noninterest income | 147,000 | 317,000 | 518,000 | 696,000 |
| Noninterest expense | 778,000 | 1,594,000 | 2,423,000 | 3,156,000 |
| Provision for loan losses | 17,000 | 35,000 | 52,000 | 70,000 |
| Pretax income | 102,000 | 210,000 | 316,000 | 520,000 |
| Income tax | 0 | 1,000 | 1,000 | 13,000 |
| Net income | 102,000 | 209,000 | 315,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,949,000 | 11,998,000 | 12,104,000 | 12,236,000 |
| Total capital | 12,536,000 | 12,592,000 | 12,712,000 | 12,854,000 |
| Risk-weighted assets | 46,673,000 | 47,259,000 | 48,353,000 | 49,187,000 |