Call reports 2017
BEDFORD FEDERAL SAVINGS BANK — 2017
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 119,499,000 | 121,166,000 | 118,303,000 | 118,611,000 |
| Total loans | 98,929,000 | 98,785,000 | 99,186,000 | 97,557,000 |
| Allowance for loan losses | 987,000 | 1,013,000 | 1,058,000 | 1,000,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,000 | 21,000 | 13,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,775,000 | 106,215,000 | 104,208,000 | 104,369,000 |
| Interest-bearing deposits | 85,985,000 | 87,055,000 | 85,620,000 | 86,505,000 |
| Noninterest-bearing deposits | 18,790,000 | 19,160,000 | 18,588,000 | 17,864,000 |
| Equity capital | 13,259,000 | 13,460,000 | 13,697,000 | 13,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,531,000 | 3,810,000 | 5,067,000 |
| Interest expense | 130,000 | 263,000 | 391,000 | 518,000 |
| Net interest income | 1,125,000 | 2,268,000 | 3,419,000 | 4,549,000 |
| Noninterest income | 210,000 | 395,000 | 629,000 | 893,000 |
| Noninterest expense | 956,000 | 1,967,000 | 2,963,000 | 4,002,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 226,000 |
| Pretax income | 349,000 | 636,000 | 980,000 | 1,214,000 |
| Income tax | 113,000 | 199,000 | 306,000 | 375,000 |
| Net income | 236,000 | 437,000 | 674,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,259,000 | 13,460,000 | 13,697,000 | 13,862,000 |
| Total capital | 14,242,000 | 14,466,000 | 14,674,000 | 14,829,000 |
| Risk-weighted assets | 78,694,000 | 80,520,000 | 78,138,000 | 77,397,000 |