Call reports 2021
BEDFORD LOAN & DEPOSIT BANK — 2021
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 111,881,000 | 114,566,000 | 114,731,000 | 119,974,000 |
| Total loans | 59,849,000 | 62,325,000 | 66,076,000 | 66,365,000 |
| Allowance for loan losses | 963,000 | 977,000 | 957,000 | 909,000 |
| Securities available for sale | 36,207,000 | 36,437,000 | 38,049,000 | 36,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,480,000 | 97,066,000 | 97,387,000 | 103,381,000 |
| Interest-bearing deposits | 65,375,000 | 66,430,000 | 67,302,000 | 71,792,000 |
| Noninterest-bearing deposits | 29,105,000 | 30,636,000 | 30,085,000 | 31,589,000 |
| Equity capital | 14,184,000 | 14,670,000 | 14,934,000 | 14,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,466,000 | 3,518,000 | 4,511,000 |
| Interest expense | 85,000 | 163,000 | 234,000 | 301,000 |
| Net interest income | 921,000 | 2,303,000 | 3,284,000 | 4,210,000 |
| Noninterest income | 159,000 | 327,000 | 491,000 | 568,000 |
| Noninterest expense | 724,000 | 1,470,000 | 2,275,000 | 3,086,000 |
| Provision for loan losses | 18,000 | 33,000 | 41,000 | 49,000 |
| Pretax income | 338,000 | 1,127,000 | 1,459,000 | 1,643,000 |
| Income tax | 74,000 | 274,000 | 304,000 | 330,000 |
| Net income | 264,000 | 853,000 | 1,155,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,676,000 | 14,082,000 | 14,384,000 | 14,484,000 |
| Total capital | 14,418,000 | 14,844,000 | 15,200,000 | 15,312,000 |
| Risk-weighted assets | 59,165,000 | 60,788,000 | 65,199,000 | 66,193,000 |