Call reports 2018
BEDFORD LOAN & DEPOSIT BANK — 2018
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 94,205,000 | 92,024,000 | 92,421,000 | 94,097,000 |
| Total loans | 50,897,000 | 50,611,000 | 53,075,000 | 53,535,000 |
| Allowance for loan losses | 895,000 | 911,000 | 890,000 | 890,000 |
| Securities available for sale | 35,209,000 | 34,042,000 | 32,913,000 | 30,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,183,000 | 73,908,000 | 73,360,000 | 74,565,000 |
| Interest-bearing deposits | 58,206,000 | 56,550,000 | 55,848,000 | 56,921,000 |
| Noninterest-bearing deposits | 17,977,000 | 17,358,000 | 17,512,000 | 17,644,000 |
| Equity capital | 12,028,000 | 12,125,000 | 12,077,000 | 12,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,832,000 | 2,794,000 | 3,789,000 |
| Interest expense | 96,000 | 201,000 | 338,000 | 471,000 |
| Net interest income | 811,000 | 1,631,000 | 2,456,000 | 3,318,000 |
| Noninterest income | 169,000 | 339,000 | 511,000 | 687,000 |
| Noninterest expense | 854,000 | 1,625,000 | 2,455,000 | 3,172,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 29,000 |
| Pretax income | 119,000 | 330,000 | 490,000 | 804,000 |
| Income tax | -2,000 | 19,000 | 30,000 | 37,000 |
| Net income | 121,000 | 311,000 | 460,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,302,000 | 12,435,000 | 12,584,000 | 12,832,000 |
| Total capital | 12,946,000 | 13,073,000 | 13,238,000 | 13,489,000 |
| Risk-weighted assets | 51,256,000 | 50,730,000 | 52,060,000 | 52,302,000 |