Call reports 2017
BEDFORD LOAN & DEPOSIT BANK — 2017
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,516,000 | 93,558,000 | 93,311,000 | 94,023,000 |
| Total loans | 48,521,000 | 50,210,000 | 50,035,000 | 51,502,000 |
| Allowance for loan losses | 874,000 | 902,000 | 897,000 | 891,000 |
| Securities available for sale | 36,009,000 | 36,555,000 | 35,433,000 | 34,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,371,000 | 76,395,000 | 75,535,000 | 76,507,000 |
| Interest-bearing deposits | 60,871,000 | 59,546,000 | 58,163,000 | 59,440,000 |
| Noninterest-bearing deposits | 16,500,000 | 16,849,000 | 17,372,000 | 17,067,000 |
| Equity capital | 12,446,000 | 12,447,000 | 12,567,000 | 12,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,759,000 | 2,686,000 | 3,591,000 |
| Interest expense | 85,000 | 169,000 | 261,000 | 354,000 |
| Net interest income | 795,000 | 1,590,000 | 2,425,000 | 3,237,000 |
| Noninterest income | 171,000 | 377,000 | 558,000 | 739,000 |
| Noninterest expense | 830,000 | 1,604,000 | 2,451,000 | 3,227,000 |
| Provision for loan losses | 9,000 | 19,000 | 25,000 | 30,000 |
| Pretax income | 127,000 | 344,000 | 507,000 | 719,000 |
| Income tax | 7,000 | 44,000 | 63,000 | 190,000 |
| Net income | 120,000 | 300,000 | 444,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,357,000 | 12,064,000 | 12,207,000 | 12,234,000 |
| Total capital | 12,966,000 | 12,681,000 | 12,844,000 | 12,880,000 |
| Risk-weighted assets | 48,483,000 | 49,091,000 | 50,669,000 | 51,395,000 |