Call reports 2019
BEDFORD FEDERAL SAVINGS BANK — 2019
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 126,266,000 | 128,962,000 | 132,595,000 | 130,557,000 |
| Total loans | 99,009,000 | 99,908,000 | 99,331,000 | 96,849,000 |
| Allowance for loan losses | 1,055,000 | 1,046,000 | 1,041,000 | 1,073,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,508,000 | 113,084,000 | 116,512,000 | 114,152,000 |
| Interest-bearing deposits | 88,585,000 | 90,435,000 | 94,602,000 | 93,435,000 |
| Noninterest-bearing deposits | 21,923,000 | 22,649,000 | 21,910,000 | 20,717,000 |
| Equity capital | 15,157,000 | 15,368,000 | 15,552,000 | 15,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,815,000 | 4,248,000 | 5,663,000 |
| Interest expense | 206,000 | 448,000 | 705,000 | 978,000 |
| Net interest income | 1,181,000 | 2,367,000 | 3,543,000 | 4,685,000 |
| Noninterest income | 286,000 | 447,000 | 750,000 | 1,152,000 |
| Noninterest expense | 1,026,000 | 2,051,000 | 3,244,000 | 4,403,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 396,000 | 673,000 | 914,000 | 1,254,000 |
| Income tax | 65,000 | 132,000 | 189,000 | 271,000 |
| Net income | 331,000 | 541,000 | 725,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,157,000 | 15,368,000 | 15,552,000 | 15,809,000 |
| Total capital | 16,204,000 | 16,414,000 | 16,593,000 | 16,827,000 |
| Risk-weighted assets | 83,800,000 | 83,956,000 | 84,988,000 | 81,394,000 |