Call reports 2015
BEDFORD FEDERAL SAVINGS BANK — 2015
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,871,000 | 121,434,000 | 127,976,000 | 127,163,000 |
| Total loans | 105,033,000 | 105,193,000 | 105,967,000 | 102,997,000 |
| Allowance for loan losses | 889,000 | 925,000 | 964,000 | 981,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 175,000 | 149,000 | 127,000 | 104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,180,000 | 106,545,000 | 113,811,000 | 112,740,000 |
| Interest-bearing deposits | 96,012,000 | 91,012,000 | 96,137,000 | 95,467,000 |
| Noninterest-bearing deposits | 15,168,000 | 15,533,000 | 17,674,000 | 17,273,000 |
| Equity capital | 11,350,000 | 11,551,000 | 11,774,000 | 12,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,718,000 | 4,106,000 | 5,430,000 |
| Interest expense | 172,000 | 337,000 | 497,000 | 655,000 |
| Net interest income | 1,192,000 | 2,381,000 | 3,609,000 | 4,775,000 |
| Noninterest income | 216,000 | 386,000 | 538,000 | 847,000 |
| Noninterest expense | 1,089,000 | 2,084,000 | 3,061,000 | 4,086,000 |
| Provision for loan losses | 50,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 269,000 | 593,000 | 951,000 | 1,356,000 |
| Income tax | 85,000 | 209,000 | 344,000 | 477,000 |
| Net income | 184,000 | 384,000 | 607,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,350,000 | 11,551,000 | 11,774,000 | 12,045,000 |
| Total capital | 12,239,000 | 12,476,000 | 12,738,000 | 13,026,000 |
| Risk-weighted assets | 79,134,000 | 74,142,000 | 83,237,000 | 81,432,000 |