Call reports 2022
BEDFORD FEDERAL SAVINGS BANK — 2022
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 179,059,000 | 181,603,000 | 185,541,000 | 180,715,000 |
| Total loans | 111,614,000 | 115,510,000 | 120,176,000 | 129,710,000 |
| Allowance for loan losses | 1,456,000 | 1,449,000 | 1,434,000 | 1,307,000 |
| Securities available for sale | 10,392,000 | 9,672,000 | 8,820,000 | 8,730,000 |
| Securities held to maturity | 0 | 0 | 4,724,000 | 4,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,355,000 | 161,594,000 | 165,388,000 | 160,080,000 |
| Interest-bearing deposits | 117,539,000 | 121,553,000 | 123,577,000 | 110,652,000 |
| Noninterest-bearing deposits | 41,816,000 | 40,041,000 | 41,811,000 | 49,428,000 |
| Equity capital | 19,093,000 | 19,195,000 | 19,231,000 | 19,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 2,921,000 | 4,606,000 | 6,611,000 |
| Interest expense | 142,000 | 285,000 | 446,000 | 668,000 |
| Net interest income | 1,240,000 | 2,636,000 | 4,160,000 | 5,943,000 |
| Noninterest income | 299,000 | 588,000 | 1,013,000 | 1,394,000 |
| Noninterest expense | 1,096,000 | 2,264,000 | 3,643,000 | 5,179,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 398,000 | 885,000 | 1,455,000 | 2,083,000 |
| Income tax | 99,000 | 207,000 | 349,000 | 500,000 |
| Net income | 299,000 | 678,000 | 1,106,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,588,000 | 19,967,000 | 20,395,000 | 20,871,000 |