Call reports 2022
BEDFORD LOAN & DEPOSIT BANK — 2022
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 119,922,000 | 117,905,000 | 118,602,000 | 117,677,000 |
| Total loans | 68,217,000 | 70,780,000 | 72,072,000 | 72,595,000 |
| Allowance for loan losses | 914,000 | 931,000 | 938,000 | 1,049,000 |
| Securities available for sale | 33,116,000 | 33,964,000 | 32,931,000 | 34,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,445,000 | 104,394,000 | 105,882,000 | 104,015,000 |
| Interest-bearing deposits | 71,474,000 | 72,793,000 | 73,585,000 | 71,409,000 |
| Noninterest-bearing deposits | 33,971,000 | 31,601,000 | 32,297,000 | 32,606,000 |
| Equity capital | 13,260,000 | 12,421,000 | 11,608,000 | 12,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 2,053,000 | 3,170,000 | 4,416,000 |
| Interest expense | 59,000 | 118,000 | 188,000 | 267,000 |
| Net interest income | 926,000 | 1,935,000 | 2,982,000 | 4,149,000 |
| Noninterest income | 162,000 | 334,000 | 519,000 | 694,000 |
| Noninterest expense | 785,000 | 1,516,000 | 2,308,000 | 3,113,000 |
| Provision for loan losses | 14,000 | 28,000 | 42,000 | 161,000 |
| Pretax income | 289,000 | 725,000 | 1,151,000 | 1,569,000 |
| Income tax | 56,000 | 148,000 | 238,000 | 318,000 |
| Net income | 233,000 | 577,000 | 913,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,717,000 | 14,976,000 | 15,312,000 | 15,591,000 |
| Total capital | 15,561,000 | 15,832,000 | 16,200,000 | 16,467,000 |
| Risk-weighted assets | 67,465,000 | 68,445,000 | 71,037,000 | 69,931,000 |