Call reports 2019
BEDFORD LOAN & DEPOSIT BANK — 2019
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 92,568,000 | 93,463,000 | 93,952,000 | 95,873,000 |
| Total loans | 54,370,000 | 54,540,000 | 56,026,000 | 54,360,000 |
| Allowance for loan losses | 902,000 | 891,000 | 886,000 | 857,000 |
| Securities available for sale | 29,952,000 | 29,792,000 | 29,368,000 | 30,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,858,000 | 73,423,000 | 73,882,000 | 75,962,000 |
| Interest-bearing deposits | 53,802,000 | 54,399,000 | 53,948,000 | 56,328,000 |
| Noninterest-bearing deposits | 19,056,000 | 19,024,000 | 19,934,000 | 19,634,000 |
| Equity capital | 12,991,000 | 13,395,000 | 13,757,000 | 13,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,941,000 | 2,950,000 | 3,972,000 |
| Interest expense | 129,000 | 265,000 | 402,000 | 541,000 |
| Net interest income | 828,000 | 1,676,000 | 2,548,000 | 3,431,000 |
| Noninterest income | 170,000 | 356,000 | 538,000 | 717,000 |
| Noninterest expense | 760,000 | 1,497,000 | 2,252,000 | 2,980,000 |
| Provision for loan losses | 17,000 | 33,000 | 50,000 | 66,000 |
| Pretax income | 221,000 | 502,000 | 784,000 | 1,102,000 |
| Income tax | 25,000 | 66,000 | 103,000 | 131,000 |
| Net income | 196,000 | 436,000 | 681,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 13,032,000 | 13,277,000 | 13,253,000 |
| Total capital | 13,508,000 | 13,728,000 | 13,982,000 | 13,959,000 |
| Risk-weighted assets | 51,862,000 | 55,458,000 | 56,283,000 | 56,355,000 |