Call reports 2021
BEDFORD FEDERAL SAVINGS BANK — 2021
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 170,470,000 | 166,249,000 | 176,480,000 | 171,664,000 |
| Total loans | 103,348,000 | 105,146,000 | 104,654,000 | 105,334,000 |
| Allowance for loan losses | 1,292,000 | 1,336,000 | 1,373,000 | 1,413,000 |
| Securities available for sale | 2,472,000 | 9,454,000 | 9,178,000 | 8,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,978,000 | 147,363,000 | 157,045,000 | 151,849,000 |
| Interest-bearing deposits | 112,869,000 | 111,467,000 | 117,866,000 | 113,911,000 |
| Noninterest-bearing deposits | 39,109,000 | 35,896,000 | 39,179,000 | 37,938,000 |
| Equity capital | 17,868,000 | 18,412,000 | 18,885,000 | 19,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,798,000 | 4,339,000 | 5,675,000 |
| Interest expense | 189,000 | 366,000 | 541,000 | 703,000 |
| Net interest income | 1,210,000 | 2,432,000 | 3,798,000 | 4,972,000 |
| Noninterest income | 515,000 | 1,197,000 | 1,699,000 | 2,424,000 |
| Noninterest expense | 1,049,000 | 2,197,000 | 3,385,000 | 4,740,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 631,000 | 1,342,000 | 1,977,000 | 2,476,000 |
| Income tax | 156,000 | 328,000 | 483,000 | 580,000 |
| Net income | 475,000 | 1,014,000 | 1,494,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,868,000 | 18,406,000 | 18,887,000 | 19,289,000 |