Call reports 2018
BEDFORD FEDERAL SAVINGS BANK — 2018
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 118,218,000 | 122,752,000 | 124,409,000 | 121,834,000 |
| Total loans | 98,676,000 | 99,339,000 | 100,584,000 | 101,367,000 |
| Allowance for loan losses | 984,000 | 1,019,000 | 1,062,000 | 1,012,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 1,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,764,000 | 108,004,000 | 109,349,000 | 106,438,000 |
| Interest-bearing deposits | 85,516,000 | 89,193,000 | 90,434,000 | 87,044,000 |
| Noninterest-bearing deposits | 18,248,000 | 18,811,000 | 18,915,000 | 19,394,000 |
| Equity capital | 14,118,000 | 14,376,000 | 14,625,000 | 14,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,604,000 | 3,976,000 | 5,388,000 |
| Interest expense | 130,000 | 299,000 | 489,000 | 685,000 |
| Net interest income | 1,138,000 | 2,305,000 | 3,487,000 | 4,703,000 |
| Noninterest income | 238,000 | 457,000 | 674,000 | 854,000 |
| Noninterest expense | 999,000 | 2,001,000 | 3,029,000 | 4,113,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 332,000 | 671,000 | 997,000 | 1,264,000 |
| Income tax | 77,000 | 157,000 | 234,000 | 300,000 |
| Net income | 255,000 | 514,000 | 763,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,118,000 | 14,376,000 | 14,625,000 | 14,826,000 |
| Total capital | 15,102,000 | 15,395,000 | 15,687,000 | 15,838,000 |
| Risk-weighted assets | 85,423,000 | 83,747,000 | 86,440,000 | 84,091,000 |