0001140361-22-018669.txt : 20220511 0001140361-22-018669.hdr.sgml : 20220511 20220511164553 ACCESSION NUMBER: 0001140361-22-018669 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20220510 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220511 DATE AS OF CHANGE: 20220511 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BROADWAY FINANCIAL CORP \DE\ CENTRAL INDEX KEY: 0001001171 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 954547287 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39043 FILM NUMBER: 22914432 BUSINESS ADDRESS: STREET 1: 5055 WILSHIRE BLVD STE 500 CITY: LOS ANGELES STATE: CA ZIP: 90036 BUSINESS PHONE: 3236341700 MAIL ADDRESS: STREET 1: 5055 WILSHIRE BLVD STE 500 CITY: LOS ANGELES STATE: CA ZIP: 90036 8-K 1 brhc10037542_8k.htm 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 10, 2022

BROADWAY FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)


Delaware
  
001-39043
  
95-4547287
(State or other jurisdiction of incorporation or organization)
  
(Commission File Number)
  
(I.R.S. Employer Identification Number)
         
4601 Wilshire Boulevard Suite 150, Los Angeles, California
  
90010
(Address of principal executive offices)
  
(Zip Code)

Registrant’s telephone number, including area code:  (323) 634-1700

 NOT APPLICABLE

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class
  
Trading Symbol(s)
  
Name of each exchange on which registered
Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)
  
BYFC
  
The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company in as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02
Results of Operations and Financial Condition.

On May 10, 2022, Broadway Financial Corporation (the “Company”) issued a press release announcing results for the quarter ended March 31, 2022.  A copy of the press release is attached as Exhibit 99.1.

The information set forth in this Current Report, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section. The information in this Current Report, including Exhibits 99.1 attached hereto, shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing to this Current Report.

Item 9.01
Financial Statements and Exhibits.

(d)       Exhibits

99.1
Press Release dated May 10, 2022, announcing results for the first quarter of 2022.

104
The cover page from this Current Report on Form 8-K, formatted in Inline XBRL (included as Exhibit 101).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date:  May 11, 2022     BROADWAY FINANCIAL CORPORATION
       
       
 
By:
  
/s/ Brenda J. Battey
     
Name: Brenda J. Battey
Title: Chief Financial Officer

EX-99.1 2 brhc10037542_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1

News Release

FOR IMMEDIATE RELEASE

Broadway Financial Corporation Announces Results for 1st Quarter 2022

LOS ANGELES, CA – (BUSINESS WIRE) – May 10, 2022 – Broadway Financial Corporation (“Broadway”, “we”, or “Company”) (NASDAQ Capital Market: BYFC), reported consolidated net earnings of $958 thousand or $0.01 per diluted share for the first quarter of 2022, compared to a consolidated net loss of $3.5 million or ($0.13) per share, for the first quarter of 2021.

Net earnings for the first quarter of 2022 include the consolidated operations of CFBanc Corporation (“CFB”), which was merged with and into Broadway on April 1, 2021 (the “Merger”).

Results for the first quarter of 2022 were favorably impacted by an increase in net interest income of $4.3 million due to interest income from the acquired interest-earning assets of CFB and growth in interest-earning assets since the Merger.  Non-interest expense decreased by $2.7 million during the first quarter of 2022 compared to the first quarter of 2021, primarily because the results for the first quarter of 2021 included non-recurring costs of $5.4 million related to the Merger, partially offset by increases from including the operations of CFB in the results for the first quarter of 2022.

First Quarter 2022 Highlights:


 •
Total assets increased to over $1.1 billion, representing an increase of over 18%, since the Merger.

•
Loan originations grew by over 125% compared to the first quarter of 2021.

•
Total loans exceeded $650 million at the end of the first quarter, representing growth of 11% since the Merger.

•
Net interest income increased over 150% compared to the first quarter of 2021.

•
The Company exchanged all outstanding shares of Series A Preferred Stock for newly issued shares of Class A Common Stock.

Chief Executive Officer, Brian Argrett commented, “It has been one year since the Merger, and I am pleased to report that the benefits of the combination of Broadway and CFB are increasingly more evident in our financial results.  Since closing the Merger, we have originated almost $300 million of new loans and grown our loan portfolio by 11%.  During this period, we have also increased deposits by over $173 million, or 26%, and lowered our cost of funds by over 50% from 87 basis points to 39 basis points.  In addition, we have improved our net interest margin from 2.40% in the first quarter of 2021 to 2.76% for the first quarter of 2022 and maintained the high quality of our loan portfolio.  As a result, since the Merger our interest income has more than doubled and interest expense has declined by 10%.  We are continuing to examine all aspects of our business in an effort to improve efficiencies and profitability and capture more of the economies of scale available from our expanded footprint created by the Merger.”

“I also wish to highlight that during the first quarter we completed the exchange of the Company’s Series A Preferred Stock for newly issued shares of Class A Common Stock, which eliminated the 4% dividend requirement on the Series A Preferred and further simplified our capital structure in preparation for the anticipated issuance of $150 million of low-cost Preferred Stock under the previously announced U.S. Treasury’s Emergency Capital Investment Program (“ECIP”) that we currently expect to close in the second quarter of this year.  Ultimately, we believe that the ECIP equity capital will help accelerate our growth, significantly improve our economies of scale and potential profitability, and dramatically expand the positive impact that we believe we can generate for the essential low-to-moderate income communities that we serve.”

Net Interest Income

First Quarter of 2022 Compared to First Quarter of 2021

Net interest income before loan loss provision for the first quarter of 2022 totaled $7.2 million, representing an increase of $4.3 million over net interest income before loan loss provision of $2.8 million for the first quarter of 2021. The increase resulted from additional interest income, primarily generated from growth of $564.3 million in average interest-earning assets during the first quarter of 2022, compared to the first quarter of 2021, due to the acquisition of loans, securities, and cash equivalents in the Merger.  Net interest income in the first quarter of 2022 also benefited from a reduction in the overall rates paid on interest-bearing liabilities of 47 basis points.

Interest income and fees on loans receivable increased by $3.7 million to $7.3 million for the first quarter of 2022, from $3.6 million for the first quarter of 2021 due to an increase of $292.0 million in the average balance of loans receivable, which increased interest income by $3.2 million, and an increase of 46 basis points in the average yield on loans, which increased interest income by $455 thousand. The increase in the average balance of loans receivable was primarily the result of the addition of $225.5 million of loans in the Merger, as well as additional organic loan growth of the combined entity after the date of the Merger. In addition, the increase in the average yield on loans receivable in the first quarter of 2022 was primarily the result of higher yields earned on the commercial loan portfolio acquired in the Merger.

Interest income on securities increased by $497 thousand for the first quarter of 2022 to $553 thousand, compared to $56 thousand in the first quarter of 2021.  The increase in interest income on securities primarily resulted from growth of $150.6 million in the average balance of securities, which resulted from securities of $150.0 million acquired in the Merger.  The higher average balance of securities increased interest income by $524 thousand.  This increase was partially offset by the effects of a decrease of 78 basis points in the average interest rate earned on securities, which reduced interest income by $27 thousand.

Other interest income increased by $45 thousand during the first quarter of 2022, compared to the first quarter of 2021, primarily due to an increase of $122.1 million in the average balance of interest-earning deposits and other short-term investments, which increased interest income by $46 thousand.  This increase was partially offset by a decrease in the dividend income on Federal Home Loan Bank (“FHLB”) and Federal Board (“FRB”) stock between the two periods.

Interest expense for the first quarter of 2022 decreased by $93 thousand, compared to the first quarter of 2021, due to a decrease of 47 basis points in the Company’s cost of interest-bearing liabilities.  The lower rates paid offset the impact of an increase of $421.6 million in average interest-bearing liabilities, due to the assumption of $307.6 million of interest-bearing deposits, $73.9 million of borrowings, and $3.2 million of FHLB advances in the Merger, and an increase of $174 million in deposits since the Merger.

Interest expense on deposits decreased by $33 thousand for the first quarter of 2022, compared to the first quarter of 2021.  The decrease was primarily attributable to a decrease of 29 basis points in the average rate paid on deposits, which caused interest expense on deposits to decrease by $316 thousand.  This decrease was partially offset by the effects of an increase of $389.5 million in the average balance of deposits, primarily because of the Merger, which increased interest expense by $283 thousand.

Interest expense on borrowings decreased by $60 thousand for the first quarter of 2022, compared to the first quarter of 2021.  The decrease was attributable to a decrease of 59 basis points in the average borrowing rate, which decreased interest expense by $192 thousand, offset by an increase in average borrowings of $32.1 million during the period, which increased interest expense by $132 thousand.  The increase in the average balance of borrowings was due to an increase of $68.0 million in the average balance of short-term borrowings (primarily securities sold under agreements to repurchase that were assumed in the Merger), offset by a decrease of $32.7 million in average borrowings from the FHLB and a decrease of $3.3 million in the average balance of the Company’s junior subordinated debentures, which were paid off in the third quarter of 2021.

2
The net interest margin increased to 2.76% for the first quarter of 2022 from 2.40% for the first quarter of 2021, primarily due to an increase in the volume of interest-earning assets (mainly due to an increase in the average balance of loans receivable), the contribution of higher loan yields earned on the commercial loan portfolio acquired in the Merger and a decrease in the average rate paid on interest-bearing liabilities of 48 basis points.


   
For the three months ended
  
   
March 31, 2022
    
March 31, 2021
  
(Dollars in Thousands)
  
Average Balance
    
Interest
    
Average
 Yield/
 Cost
    
Average Balance
    
Interest
    
Average
 Yield/
 Cost
  
Assets
                                    
Interest-earning assets:
                                    
Interest-earning deposits
  
$
220,266
    
$
84
      
0.15
%
  
$
98,183
    
$
35
      
0.14
%
Securities
    
160,968
      
553
      
1.37
%
    
10,414
      
56
      
2.15
%
Loans receivable (1)
    
653,493
      
7,336
      
4.49
%
    
361,487
      
3,644
      
4.03
%
FRB and FHLB stock
    
3,046
      
38
      
4.99
%
    
3,431
      
42
      
4.90
%
Total interest-earning assets
    
1,037,773
    
$
8,011
      
3.09
%
    
473,515
    
$
3,777
      
3.19
%
Non-interest-earning assets
    
74,542
                      
11,064
                  
Total assets
  
$
1,112,315
                    
$
484,579
                  
                                                 
Liabilities and Stockholders’ Equity
                                                
Interest-bearing liabilities:
                                                
Money market deposits
  
$
207,078
    
$
189
      
0.37
%
  
$
76,750
    
$
81
      
0.42
%
Passbook deposits
    
66,825
      
8
      
0.05
%
    
64,044
      
57
      
0.36
%
NOW and other demand deposits
    
230,461
      
39
      
0.07
%
    
54,650
      
7
      
0.05
%
Certificate accounts
    
201,446
      
114
      
0.23
%
    
120,857
      
238
      
0.79
%
Total deposits
    
705,810
      
350
      
0.20
%
    
316,301
      
383
      
0.48
%
FHLB advances
    
77,849
      
342
      
1.76
%
    
110,500
      
527
      
1.91
%
Junior subordinated debentures
    
-
      
-
      
0.00
%
    
3,275
      
22
      
2.69
%
Other borrowings
    
68,019
      
147
      
0.86
%
    
-
      
-
      
0.00
%
Total borrowings
    
145,868
      
489
      
1.34
%
    
113,775
      
549
      
1.93
%
Total interest-bearing liabilities
    
851,648
    
$
839
      
0.39
%
    
430,076
    
$
932
      
0.87
%
Non-interest-bearing liabilities
    
121,912
                      
5,832
                  
Stockholders’ equity
    
138,725
                      
48,671
                  
Total liabilities and stockholders’ equity
  
$
1,112,315
                    
$
484,579
                  
                                                 
Net interest rate spread (2)
          
$
7,712
      
2.70
%
          
$
2,845
      
2.32
%
Net interest rate margin (3)
                    
2.76
%
                    
2.40
%
Ratio of interest-earning assets to interest-bearing liabilities
              
121.85
%
                    
110.10
%

(1)
Amount is net of deferred loan fees, loan discounts and loans in process, and includes deferred origination costs and loan premiums.
(2)
Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3)
Net interest rate margin represents net interest income as a percentage of average interest-earning assets.

3
Loan Loss Provision

The Company recorded a loan loss provision of $147 thousand for the three months ended March 31, 2022 due to growth in the loan portfolio. There was no loan loss provision during the three months ended March 31, 2021. No loan charge-offs were recorded during the three months ended March 31, 2022 or 2021. The Allowance for Loan and Lease Losses (“ALLL”) increased to $3.5 million as of March 31, 2022 compared to $3.4 million as of December 31, 2021.

Non-interest Income

Non-interest income for the first quarter of 2022 totaled $280 thousand, compared to $123 thousand for the first quarter of 2021.  The increase in non-interest income was primarily due to fees earned from the New Market Tax Credit ventures on the books of the Company’s wholly-owned banking subsidiary, City First Bank, National Association, and an increase in ATM exchange fees.

Non-interest Expense

Total non-interest expense was $6.0 million for the first quarter of 2022, compared to $8.6 million for the first quarter of 2021.  The decrease in non-interest expense was primarily due to non-recurring compensation costs and professional services fees associated with the Merger, partially offset by higher information services costs.  Compensation costs and professional services fees decreased by $1.8 million and $1.6 million, respectively, during the first quarter of 2022, compared to the first quarter of 2021, while information services costs increased by $624 thousand.  In addition, during the first quarter of 2022 the Company recorded $109 thousand of expense to amortize the core deposit intangible asset that was recorded in connection with the Merger.

Income Taxes

Income taxes are computed by applying the statutory federal income tax rate of 21% and the California income tax rate of 10.84% to taxable income.  The Company recorded income tax expense of $363 thousand for the first quarter of 2022 and an income tax benefit $2.2 million thousand for the first quarter of 2021.

The Company had a valuation allowance of $369 thousand on its deferred tax asset of $8.8 million as of March 31, 2022. There was no valuation allowance on the deferred tax asset as of March 31, 2021, which totaled $7.1 million. The valuation allowance is based on management’s estimate that a portion of its deferred tax asset may not be fully realized based on forecasts of future income, tax planning strategies, and available net operating losses which reflect the impact of the shares issued in the private placements completed in April of 2021.

Balance Sheet Summary

Total assets increased by $37.6 million during the first quarter ended March 31, 2022, primarily due to growth in cash and cash equivalents of $14.6 million, growth in investment securities available-for-sale of $13.9 million, a net increase in loans held for investment of $4.9 million, growth in other assets of $3.5 million, and a net increase in the deferred tax asset of $2.2 million.  Total assets increased by $652 million compared to March 31, 2021, primarily because of the assets, totaling $475 million, that were acquired in the Merger.

Loans held for investment, net of the allowance for loan losses, increased by $4.9 million to $653.4 million at March 31, 2022, compared to $648.5.1 million at December 31, 2021.  The increase was primarily due to loan originations of $41.5 million in multi-family loans and $13.2 million in other commercial real estate and commercial loans, partially offset by loan repayments of $49.8 million during the first quarter of 2022.

4
Deposits increased by $51.6 million to $839.7 million at March 31, 2022 from $788.1 million at December 31, 2021, which consisted of increases of $76.0 million in ICS deposits (ICS deposits are the Bank’s own money market accounts in excess of FDIC  insured limits whereby the Bank makes reciprocal arrangements for insurance with other banks), $6.4 million in CDARS deposits (CDARS deposits are similar to ICS deposits, but involve certificates of deposit instead of money market accounts), and $1.3 million in other certificates of deposit accounts.  The above increases in deposits were partially offset by a decrease of $32.1 million in liquid deposits (NOW, demand, money market, and passbook accounts).

Total borrowings decreased by $8.9 million to $143.0 million at March 31, 2022, from $151.9 million at December 31, 2021, primarily due to $13.0 million in payoffs of advances from the Federal Home Loan Bank of San Francisco, partially offset by a net increase of $4.0 million in short-term borrowings (securities sold under agreements to repurchase).

Stockholders’ equity was $136.2 million, or 12.04% of Broadway’s total assets, at March 31, 2022, compared to $141.0 million, or 12.89% of Broadway’s total assets, at December 31, 2021.  The decrease in total stockholders’ equity is primarily due to an increase of $5.7 million in unrealized loss on available-for-sale securities, net of taxes, which resulted from increases in market interest rates that adversely affected the value of the securities portfolio during the first quarter of 2022.

At March 31, 2022, the Bank’s Community Bank Leverage Ratio (“CBLR”)  was 9.45% compared to 9.32% at December 31, 2021.  The increase in CBLR is due to growth in the Bank’s net earnings.

During the first quarter of 2022 the Company completed the exchange of all the outstanding Series A Fixed Rate Cumulative Redeemable Preferred Stock, with an aggregate liquidation value of $3 million, plus accrued dividends, for 1,193,317 shares of Class A Common Stock at an exchange price of $2.51 per share of Class A Common Stock.  In addition, during the quarter the Company issued 542,449 shares of Class A Common Stock to directors, executive officers, and certain employees, including 495,262 shares of restricted stock to executive officers and certain employees, which vest over periods ranging from 36 months to 60 months.  All the restricted shares are treated as outstanding for purposes of calculating earnings per share and book value per share.  The Company’s book value per share was $1.85 at March 31, 2022, which reflects these share issuances.

This press release shall not constitute an offer to sell, a solicitation of an offer to sell, or the solicitation of an offer to buy any securities.

About Broadway Financial Corporation

Broadway Financial Corporation conducts its operations through its wholly-owned banking subsidiary, City First Bank, National Association, which is a leading community-oriented bank in Southern California and in the Washington, D.C. market serving low-to-moderate income communities.  We offer a variety of residential and commercial real estate loan products for consumers, businesses, and non-profit organizations, other loan products, and a variety of deposit products, including checking, savings and money market accounts, certificates of deposits, and retirement accounts.

Stockholders, analysts, and others seeking information about the Company are invited to write to:  Broadway Financial Corporation, Investor Relations, 4601 Wilshire Boulevard, Suite 150, Los Angeles, CA 90010 or contact Investor Relations at the phone number or email address below.

5
Contacts

Investor Relations
Brenda J. Battey, Chief Financial Officer, (323) 556-3264
Investor.relations@broadwayfederalbank.com

Cautionary Statement Regarding Forward-Looking Information

This press release includes “forward-looking statements” within the meaning of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995.  Forward-looking statements often include words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,”  “believes,” “predicts,” “potential,” “continue,” and similar expressions, but the absence of such words or expressions does not mean a statement is not forward-looking.  These forward-looking statements are based upon our management’s current expectations and involve known and unknown risks and uncertainties.  Actual results or performance may differ materially from those suggested, expressed, or implied by the forward-looking statements due to a wide range of factors.  Such risk factors include, among others: uncertainty as to the duration, scope and impacts of the COVID-19 pandemic; political and economic uncertainty, including the possibility of declines in global economic conditions or the stability of credit and financial markets, including as a result of the military conflict between Russia and Ukraine; changes in the monetary and fiscal policies of the U.S. Government, including policies of the United States Department of the Treasury and the Federal Reserve Board; changes in legislation, regulation, policies or administrative practices, whether by judicial, governmental, or legislative action, and other changes pertaining to banking, securities, taxation, financial accounting and reporting, and environmental protection and our ability to comply with such changes in a timely manner; possible effects of changes in real estate markets and interest rates, which may affect our net income and future cash flows, or the market value of our assets, including investment securities; risks related to disruption of management time due to integration activities related to the Merger; the risk of possible adverse rulings, judgments, settlements and other outcomes of litigation; the risk that the Merger could have an adverse effect on our ability to retain customers, retain and hire key personnel and on our operating results and business generally; the risk that problems may arise in successfully integrating the businesses of the pre-Merger companies, which may result in the combined company not operating as effectively and efficiently as expected, or that we may not be able to successfully integrate the businesses of the pre-Merger companies; the risk that we may be unable to achieve synergies or other anticipated benefits of the Merger or that it may take longer than expected to achieve those synergies or benefits; the risk that operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which  we are highly dependent, and other important factors that could cause actual results to differ materially from those projected.  All such factors are difficult to predict and are beyond our control.  Additional factors that could cause results to differ materially from those described above can be found in our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K or other filings made with the SEC and are available on our website at http://www.cityfirstbank.com/node/430 and on the SEC’s website at http://www.sec.gov.

Forward-looking statements in this press release speak only as of the date they are made, and we undertake no obligation, and do not intend, to update these forward-looking statements to reflect events or circumstances occurring after the date of this press release, except to the extent required by law.  You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release.

6
BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY
Selected Financial Data and Ratios (Unaudited)
(Dollars in thousands, except per share data)

   
March 31, 2022
    
December 31, 2021
  
Selected Financial Condition Data and Ratios:
            
Cash and cash equivalents
  
$
246,106
    
$
231,520
  
Securities available-for-sale, at fair value
    
170,308
      
156,396
  
Loans receivable held for investment
    
656,914
      
651,904
  
Allowance for loan losses
    
(3,539
)
    
(3,391
)
Loans receivable held for investment, net of allowance
    
653,375
      
648,513
  
Total assets
    
1,131,125
      
1,093,505
  
Deposits
    
839,714
      
788,502
  
FHLB advances
    
73,001
      
85,952
  
Securities sold under agreements to repurchase
    
56,003
      
51,960
  
Notes payable
    
14,000
      
14,000
  
Total stockholders' equity
    
136,213
      
141,000
  
                 
Book value per share
  
$
1.85
    
$
1.92
  
Equity to total assets
    
12.04
%
    
12.89
%
                 
Asset Quality Ratios:
                
Non-accrual loans to total loans
    
0.10
%
    
0.10
%
Non-performing assets to total assets
    
0.06
%
    
0.06
%
Allowance for loan losses to total gross loans
    
0.54
%
    
0.52
%
Allowance for loan losses to non-performing loans
    
541.96
%
    
495.80
%
                 
Non-Performing Assets:
                
Non-accrual loans
  
$
653
    
$
684
  
Loans delinquent 90 days or more and still accruing
    
-
      
-
  
Real estate acquired through foreclosure
    
-
      
-
  
Total non-performing assets
  
$
653
    
$
684
  
                 
Delinquent loans (including less than 30 days delinquent)
  
$
2,944
    
$
2,423
  

   
Three Months Ended March 31,
    
Selected Operating Data and Ratios:
  
2022
        
2021
    
Interest income
  
$
8,011
        
$
3,777
    
Interest expense
    
839
          
932
    
Net interest income
    
7,172
          
2,845
    
Loan loss provision
    
147
          
-
    
Net interest income after loan loss provision
    
7,025
          
2,845
    
Non-interest income
    
280
          
123
    
Non-interest expense
    
(5,960
 )
        
(8,627
 )
 
Income (loss) before income taxes
    
1,345
          
(5,659
 )
 
Income tax expense (benefit)
    
363
          
(2,172
 )  
Net income (loss)
  
$
982
        
$
(3,487
 )  
                       
Net income - non-controlling interest
    
24
          
-
    
Net income (loss) Broadway Financial Corporation
  
$
958
        
$
(3,487
 )  
                       
Earnings per common share-diluted
  
$
0.01
        
$
(0.13
 )  
                       
Loan originations (1)
  
$
54,705
        
$
23,961
    
                       
Net recoveries to average loans
    
(0.00
 )% (2)
     
(0.00
 )% (2)
Return on average assets
    
0.35
 % (2)
     
-2.88
 % (2)
Return on average equity
    
2.83
 % (2)
     
-28.66
 % (2)
Net interest margin
    
2.76
 % (2)
     
2.40
 % (2)

(1)
Does not include net deferred origination costs.
(2)
Annualized

7
 EX-101.SCH 3 byfc-20220510.xsd XBRL TAXONOMY EXTENSION SCHEMA 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 byfc-20220510_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Cover [Abstract] Document Type Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Amendment Flag Document Fiscal Year Focus Document Fiscal Period Focus Document Period End Date Entity Registrant Name Entity Central Index Key Entity File Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Emerging Growth Company Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code City Area Code Local Phone Number Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name EX-101.PRE 5 byfc-20220510_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 6 R1.htm IDEA: XBRL DOCUMENT v3.22.1
Document and Entity Information
May 10, 2022
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date May 10, 2022
Entity Registrant Name BROADWAY FINANCIAL CORP \DE\
Entity Incorporation, State or Country Code DE
Entity File Number 001-39043
Entity Tax Identification Number 95-4547287
Entity Address, Address Line One 4601 Wilshire Boulevard Suite 150
Entity Address, City or Town Los Angeles
Entity Address, State or Province CA
Entity Address, Postal Zip Code 90010
City Area Code 323
Local Phone Number 634-1700
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0001001171
Title of 12(b) Security Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)
Trading Symbol BYFC
Security Exchange Name NASDAQ
XML 7 brhc10037542_8k_htm.xml IDEA: XBRL DOCUMENT 0001001171 2022-05-10 2022-05-10 false BROADWAY FINANCIAL CORP \DE\ 0001001171 8-K 2022-05-10 DE 001-39043 95-4547287 4601 Wilshire Boulevard Suite 150 Los Angeles CA 90010 323 634-1700 false false false false Class A Common Stock, par value $0.01 per share (including attached preferred stock purchase rights) BYFC NASDAQ false EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 11 FilingSummary.xml IDEA: XBRL DOCUMENT 3.22.1 html 1 22 1 false 0 0 false 0 false false R1.htm 000100 - Document - Document and Entity Information Sheet http://broadwayfed.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports brhc10037542_8k.htm brhc10037542_ex99-1.htm byfc-20220510.xsd byfc-20220510_lab.xml byfc-20220510_pre.xml http://xbrl.sec.gov/dei/2021 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "brhc10037542_8k.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "inline": { "local": [ "brhc10037542_8k.htm" ] }, "labelLink": { "local": [ "byfc-20220510_lab.xml" ] }, "presentationLink": { "local": [ "byfc-20220510_pre.xml" ] }, "schema": { "local": [ "byfc-20220510.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2004/ref-2004-08-10.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd", "https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd", "https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd", "https://xbrl.sec.gov/country/2021/country-2021.xsd", "https://xbrl.sec.gov/currency/2021/currency-2021.xsd", "https://xbrl.sec.gov/dei/2021/dei-2021.xsd", "https://xbrl.sec.gov/exch/2021/exch-2021.xsd", "https://xbrl.sec.gov/naics/2021/naics-2021.xsd", "https://xbrl.sec.gov/sic/2021/sic-2021.xsd", "https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd" ] } }, "elementCount": 29, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2021": 3, "total": 3 }, "keyCustom": 0, "keyStandard": 22, "memberCustom": 0, "memberStandard": 0, "nsprefix": "byfc", "nsuri": "http://broadwayfed.com/20220510", "report": { "R1": { "firstAnchor": { "ancestors": [ "div", "div", "body", "html" ], "baseRef": "brhc10037542_8k.htm", "contextRef": "c20220510to20220510", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "000100 - Document - Document and Entity Information", "role": "http://broadwayfed.com/role/DocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "div", "div", "body", "html" ], "baseRef": "brhc10037542_8k.htm", "contextRef": "c20220510to20220510", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Cover [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2021", "xbrltype": "stringItemType" }, "dei_DocumentFiscalPeriodFocus": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.", "label": "Document Fiscal Period Focus" } } }, "localname": "DocumentFiscalPeriodFocus", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "fiscalPeriodItemType" }, "dei_DocumentFiscalYearFocus": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.", "label": "Document Fiscal Year Focus" } } }, "localname": "DocumentFiscalYearFocus", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "gYearItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressAddressLine2": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 2 such as Street or Suite number", "label": "Entity Address, Address Line Two" } } }, "localname": "EntityAddressAddressLine2", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressAddressLine3": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 3 such as an Office Park", "label": "Entity Address, Address Line Three" } } }, "localname": "EntityAddressAddressLine3", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCountry": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "ISO 3166-1 alpha-2 country code.", "label": "Entity Address, Country" } } }, "localname": "EntityAddressCountry", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "countryCodeItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_NoTradingSymbolFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true only for a security having no trading symbol.", "label": "No Trading Symbol Flag" } } }, "localname": "NoTradingSymbolFlag", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 15 0001140361-22-018669-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001140361-22-018669-xbrl.zip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end