BRADFORD BANCORP, INC. Financial Reports

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:· BRADFORD BANCORP, INC.

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Off Balance Sheet
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BRADFORD BANCORP, INC.

Institution Profile

Year Opened :

1996

Institution Type :

Holding Company

Reserve District :

St. Louis

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Yes

Related Bank / Thrift	Assets	Asset Concentration
The Bradford National Bank of Greenville	637,931	All Other Under 1 Billion

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	58,384	Total Operating Income	2,289
Total Liabilities	15,305	Total Operating Expenses	484
Total Equity Capital	43,079	Equity in Undistributed Income	1,565
		Net income (loss)	3,370

Miscellaneous
Cash Dividends Declared by Bank Holding Company	1,375
Total Consolidated Assets of Bank Holding Company	633,132

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury