XML 20 R70.htm IDEA: XBRL DOCUMENT v2.4.1.9
Income Taxes (Details 2) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Deferred tax assets:    
Allowance for loan losses $ 1,833us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses $ 3,040us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
Accrued liabilities 286us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities 120us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
State income taxes 44us-gaap_DeferredTaxAssetsStateTaxes 42us-gaap_DeferredTaxAssetsStateTaxes
Deferred compensation 513us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits 407us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits
Stock compensation 275us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost 270us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
Real estate owned   157byfc_DeferredTaxAssetsOtherRealEstateOwned
Net operating loss carryforward 7,341us-gaap_DeferredTaxAssetsOperatingLossCarryforwards 6,752us-gaap_DeferredTaxAssetsOperatingLossCarryforwards
Non-accrual loan interest 58byfc_DeferredTaxAssetsNonaccrualInterestOnLoans 485byfc_DeferredTaxAssetsNonaccrualInterestOnLoans
Basis difference on fixed assets   109us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment
Partnership investment 60us-gaap_DeferredTaxAssetsInvestments 27us-gaap_DeferredTaxAssetsInvestments
General business credit 938us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness 725us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness
Alternative minimum tax credit 113us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax 113us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax
Other 33us-gaap_DeferredTaxAssetsOther 28us-gaap_DeferredTaxAssetsOther
Total deferred tax assets 11,494us-gaap_DeferredTaxAssetsGross 12,275us-gaap_DeferredTaxAssetsGross
Deferred tax liabilities:    
Deferred loan fees/costs (1,633)us-gaap_DeferredTaxLiabilitiesDeferredExpense (1,699)us-gaap_DeferredTaxLiabilitiesDeferredExpense
Real estate owned (86)byfc_DeferredTaxLiabilitiesOtherRealEstateOwned  
Basis difference on fixed assets (80)us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment  
Net unrealized appreciation on available-for-sale securities (222)byfc_DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecuritiesGross (198)byfc_DeferredTaxLiabilitiesUnrealizedGainsOnAvailableForSaleSecuritiesGross
FHLB stock dividends (574)byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends (574)byfc_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends
Mortgage servicing rights (26)us-gaap_DeferredTaxLiabilitiesMortgageServicingRights (50)us-gaap_DeferredTaxLiabilitiesMortgageServicingRights
Prepaid expenses (67)us-gaap_DeferredTaxLiabilitiesPrepaidExpenses (69)us-gaap_DeferredTaxLiabilitiesPrepaidExpenses
Total deferred tax liabilities (2,688)us-gaap_DeferredIncomeTaxLiabilities (2,590)us-gaap_DeferredIncomeTaxLiabilities
Valuation allowance $ (8,806)us-gaap_DeferredTaxAssetsValuationAllowance $ (9,685)us-gaap_DeferredTaxAssetsValuationAllowance