Call reports 2012
BEDFORD FEDERAL SAVINGS BANK — 2012
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,662,000 | 119,549,000 | 121,034,000 | 120,396,000 |
| Total loans | 102,387,000 | 99,629,000 | 100,182,000 | 97,488,000 |
| Allowance for loan losses | 600,000 | 700,000 | 693,000 | 693,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,565,000 | 1,293,000 | 1,088,000 | 907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,240,000 | 104,162,000 | 105,365,000 | 104,645,000 |
| Interest-bearing deposits | 96,079,000 | 93,778,000 | 93,301,000 | 92,883,000 |
| Noninterest-bearing deposits | 12,161,000 | 10,384,000 | 12,064,000 | 11,762,000 |
| Equity capital | 10,162,000 | 10,082,000 | 10,298,000 | 10,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,857,000 | 4,257,000 | 5,629,000 |
| Interest expense | 364,000 | 706,000 | 1,026,000 | 1,310,000 |
| Net interest income | 1,077,000 | 2,151,000 | 3,231,000 | 4,319,000 |
| Noninterest income | 103,000 | 373,000 | 661,000 | 857,000 |
| Noninterest expense | 1,052,000 | 2,092,000 | 3,146,000 | 4,359,000 |
| Provision for loan losses | 20,000 | 480,000 | 480,000 | 480,000 |
| Pretax income | 108,000 | -48,000 | 266,000 | 337,000 |
| Income tax | 42,000 | -34,000 | 64,000 | 86,000 |
| Net income | 66,000 | -14,000 | 202,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,042,000 | 10,034,000 | 10,298,000 | 10,347,000 |
| Total capital | 10,642,000 | 10,734,000 | 10,991,000 | 11,040,000 |
| Risk-weighted assets | 78,822,000 | 75,920,000 | 78,437,000 | 74,788,000 |