Call reports 2025
BEDFORD FEDERAL SAVINGS BANK — 2025
What BEDFORD FEDERAL SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 263,241,000 | 275,711,000 | 280,492,000 | 285,643,000 |
| Total loans | 210,768,000 | 220,891,000 | 225,640,000 | 231,137,000 |
| Allowance for loan losses | 1,925,000 | 2,030,000 | 2,091,000 | 2,133,000 |
| Securities available for sale | 6,704,000 | 6,522,000 | 6,326,000 | 6,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,106,000 | 238,543,000 | 242,590,000 | 246,645,000 |
| Interest-bearing deposits | 187,774,000 | 189,502,000 | 203,021,000 | 196,994,000 |
| Noninterest-bearing deposits | 39,332,000 | 49,041,000 | 39,569,000 | 49,651,000 |
| Equity capital | 24,999,000 | 25,972,000 | 26,609,000 | 27,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,716,000 | 7,788,000 | 11,952,000 | 16,234,000 |
| Interest expense | 1,477,000 | 3,095,000 | 4,671,000 | 6,291,000 |
| Net interest income | 2,239,000 | 4,693,000 | 7,281,000 | 9,943,000 |
| Noninterest income | 296,000 | 734,000 | 1,004,000 | 1,529,000 |
| Noninterest expense | 1,672,000 | 3,249,000 | 5,034,000 | 6,942,000 |
| Provision for loan losses | 100,000 | 221,000 | 493,000 | 542,000 |
| Pretax income | 762,000 | 1,956,000 | 2,752,000 | 3,986,000 |
| Income tax | 149,000 | 444,000 | 665,000 | 926,000 |
| Net income | 613,000 | 1,512,000 | 2,087,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,681,000 | 26,580,000 | 27,155,000 | 28,128,000 |