Call reports 2025
BEDFORD LOAN & DEPOSIT BANK — 2025
What BEDFORD LOAN & DEPOSIT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 113,647,000 | 116,932,000 | 118,596,000 | 118,219,000 |
| Total loans | 77,227,000 | 77,543,000 | 78,878,000 | 77,427,000 |
| Allowance for loan losses | 1,162,000 | 1,184,000 | 1,233,000 | 1,244,000 |
| Securities available for sale | 26,278,000 | 26,126,000 | 26,306,000 | 25,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,162,000 | 97,191,000 | 98,446,000 | 97,807,000 |
| Interest-bearing deposits | 64,274,000 | 66,447,000 | 68,015,000 | 68,284,000 |
| Noninterest-bearing deposits | 29,888,000 | 30,744,000 | 30,431,000 | 29,523,000 |
| Equity capital | 14,702,000 | 15,006,000 | 15,415,000 | 15,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,742,000 | 4,291,000 | 5,779,000 |
| Interest expense | 394,000 | 789,000 | 1,191,000 | 1,593,000 |
| Net interest income | 941,000 | 1,953,000 | 3,100,000 | 4,186,000 |
| Noninterest income | 166,000 | 323,000 | 493,000 | 654,000 |
| Noninterest expense | 832,000 | 1,730,000 | 2,619,000 | 3,550,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 248,000 | 492,000 | 893,000 | 1,182,000 |
| Income tax | 46,000 | 96,000 | 165,000 | 244,000 |
| Net income | 202,000 | 396,000 | 728,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,435,000 | 17,571,000 | 17,591,000 | 17,743,000 |
| Total capital | 18,347,000 | 18,484,000 | 18,506,000 | 18,641,000 |
| Risk-weighted assets | 72,751,000 | 72,809,000 | 72,898,000 | 71,498,000 |