Call reports 2014
BEDFORD FEDERAL SAVINGS BANK — 2014
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 122,273,000 | 118,609,000 | 118,522,000 | 122,467,000 |
| Total loans | 98,498,000 | 99,884,000 | 101,146,000 | 105,497,000 |
| Allowance for loan losses | 1,049,000 | 1,025,000 | 883,000 | 841,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 333,000 | 277,000 | 224,000 | 199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,014,000 | 103,210,000 | 103,970,000 | 107,808,000 |
| Interest-bearing deposits | 93,436,000 | 89,645,000 | 90,840,000 | 93,962,000 |
| Noninterest-bearing deposits | 13,578,000 | 13,565,000 | 13,130,000 | 13,846,000 |
| Equity capital | 10,844,000 | 10,925,000 | 11,058,000 | 11,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,610,000 | 3,944,000 | 5,275,000 |
| Interest expense | 215,000 | 425,000 | 626,000 | 809,000 |
| Net interest income | 1,067,000 | 2,185,000 | 3,318,000 | 4,466,000 |
| Noninterest income | 137,000 | 247,000 | 373,000 | 553,000 |
| Noninterest expense | 1,084,000 | 2,191,000 | 3,255,000 | 4,391,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 120,000 | 241,000 | 436,000 | 613,000 |
| Income tax | 35,000 | 75,000 | 137,000 | 205,000 |
| Net income | 85,000 | 166,000 | 299,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,844,000 | 10,925,000 | 11,058,000 | 11,167,000 |
| Total capital | 11,777,000 | 11,866,000 | 11,941,000 | 12,008,000 |
| Risk-weighted assets | 76,480,000 | 75,660,000 | 77,810,000 | 78,946,000 |
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