Call reports 2016
BEDFORD FEDERAL SAVINGS BANK — 2016
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 124,759,000 | 120,914,000 | 123,026,000 | 118,566,000 |
| Total loans | 101,487,000 | 98,827,000 | 97,388,000 | 99,241,000 |
| Allowance for loan losses | 978,000 | 1,022,000 | 1,065,000 | 1,048,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 86,000 | 70,000 | 55,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,192,000 | 106,115,000 | 108,895,000 | 104,122,000 |
| Interest-bearing deposits | 93,601,000 | 89,975,000 | 89,879,000 | 85,316,000 |
| Noninterest-bearing deposits | 16,591,000 | 16,140,000 | 19,016,000 | 18,806,000 |
| Equity capital | 12,253,000 | 12,430,000 | 12,638,000 | 13,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,602,000 | 3,869,000 | 5,129,000 |
| Interest expense | 147,000 | 297,000 | 427,000 | 559,000 |
| Net interest income | 1,149,000 | 2,305,000 | 3,442,000 | 4,570,000 |
| Noninterest income | 156,000 | 301,000 | 529,000 | 949,000 |
| Noninterest expense | 943,000 | 1,922,000 | 2,931,000 | 3,901,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 317,000 | 594,000 | 905,000 | 1,438,000 |
| Income tax | 110,000 | 210,000 | 313,000 | 461,000 |
| Net income | 207,000 | 384,000 | 592,000 | 977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,253,000 | 12,430,000 | 12,638,000 | 13,023,000 |
| Total capital | 13,231,000 | 13,398,000 | 13,636,000 | 14,030,000 |
| Risk-weighted assets | 81,176,000 | 77,515,000 | 79,799,000 | 80,579,000 |