Call reports 2013
BEDFORD FEDERAL SAVINGS BANK — 2013
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 122,474,000 | 116,718,000 | 118,507,000 | 120,883,000 |
| Total loans | 97,098,000 | 96,786,000 | 98,863,000 | 98,381,000 |
| Allowance for loan losses | 677,000 | 728,000 | 742,000 | 1,095,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 662,000 | 553,000 | 466,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,457,000 | 100,643,000 | 102,930,000 | 105,613,000 |
| Interest-bearing deposits | 92,893,000 | 89,288,000 | 90,202,000 | 91,684,000 |
| Noninterest-bearing deposits | 13,563,000 | 11,355,000 | 12,728,000 | 13,929,000 |
| Equity capital | 10,485,000 | 10,574,000 | 10,698,000 | 10,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,323,000 | 2,654,000 | 4,013,000 | 5,321,000 |
| Interest expense | 263,000 | 528,000 | 772,000 | 999,000 |
| Net interest income | 1,060,000 | 2,126,000 | 3,241,000 | 4,322,000 |
| Noninterest income | 213,000 | 433,000 | 612,000 | 796,000 |
| Noninterest expense | 1,079,000 | 2,175,000 | 3,260,000 | 4,415,000 |
| Provision for loan losses | 0 | 59,000 | 64,000 | 64,000 |
| Pretax income | 194,000 | 325,000 | 529,000 | 639,000 |
| Income tax | 55,000 | 98,000 | 178,000 | 227,000 |
| Net income | 139,000 | 227,000 | 351,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,485,000 | 10,570,000 | 10,698,000 | 10,759,000 |
| Total capital | 11,162,000 | 11,298,000 | 11,440,000 | 11,711,000 |
| Risk-weighted assets | 75,147,000 | 74,108,000 | 75,595,000 | 76,009,000 |
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