0001140361-23-038637.txt : 20230809 0001140361-23-038637.hdr.sgml : 20230809 20230808185102 ACCESSION NUMBER: 0001140361-23-038637 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230808 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230809 DATE AS OF CHANGE: 20230808 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: 231152914 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 brhc20057225_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): August 8, 2023

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
  
Nasdaq Capital Market
 
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 August 8, 2023, Broadway Financial Corporation (the “Company”) issued a press release announcing results for the quarter ended June 30, 2023.  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

Press Release dated August 8, 2023, announcing results for the quarter ended June 30, 2023.
   
104
The cover page from this Current Report on Form 8-K, formatted in Inline XBRL (included as Exhibit 101).

2
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: August 8, 2023

BROADWAY FINANCIAL CORPORATION
   
 
By:
/s/ Brenda J. Battey
   
Name: Brenda J. Battey
Title: Chief Financial Officer


 3
 EX-99.1 2 brhc20057225_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1

News Release

FOR IMMEDIATE RELEASE

Broadway Financial Corporation Announces Results for Second Quarter 2023

LOS ANGELES, CA – (BUSINESS WIRE) – August 8, 2023 – Broadway Financial Corporation (“Broadway”, “we”, or the “Company”) (NASDAQ Capital Market: BYFC), parent company of City First Bank, National Association (the “Bank”, and collectively, with the Company, “City First Broadway”), reported consolidated net earnings of $243 thousand, or $0.00 per diluted share, for the second quarter of 2023, compared to consolidated net earnings of $1.9 million, or $0.03 per diluted share, for the second quarter of 2022.

The decrease in net earnings during the second quarter of 2023, compared to the second quarter of 2022, was primarily due to an increase in interest expense before provision for credit losses of $4 million, which more than offset growth in interest income of $3.3 million.  The decrease in net earnings was also attributable to a provision for credit losses of $768 thousand during the second quarter of 2023, compared to a recapture of credit losses of $577 thousand during the second quarter of 2022, and an increase in non-interest expense of $238 thousand.

For the first six months of 2023, the Company reported consolidated net earnings of $1.8 million, or $0.03 per diluted share, compared to consolidated net earnings of $2.8 million, or $0.04 per diluted share for the first six months of 2022.  The decrease primarily resulted from a provision for credit losses of $810 thousand during the first six months of 2023, compared to a loan loss provision recapture of $429 thousand during the first six months of 2022.  In addition, non-interest expense increased by $484 thousand during the first six months of 2023, compared to the first six months of 2022.  These amounts were partially offset by improvement in net interest income of $332 thousand during the first six months of 2023, compared to the first six months of 2022.

Second Quarter 2023 Highlights:


 •
Total interest income increased by $3.3 million, or 38.5% for the second quarter of 2023, compared to the second quarter of 2022.

•
Total net loans receivable increased by $56.6 million, or 7.4%, to $824.6 million at June 30, 2023, compared to December 31, 2022.

•
The Bank did not have any non-accrual loans or non-performing assets at June 30, 2023.

•
Total assets increased by $47.0 million, or 4.0%, to $1.2 billion at June 30, 2023, compared to December 31, 2022.

Chief Executive Officer, Brian Argrett commented, “The second quarter continued to present significant economic headwinds affecting our operating performance and efforts to continue to expand at pace.  Since receiving $150 million of preferred equity in early June 2022 pursuant to the United States Department of the Treasury’s Emergency Capital Investment Program (“ECIP”), we have endeavored to strategically grow our balance sheet and operational capabilities to fulfill the intersecting lending objectives of ECIP and our mission, and achieve the scale of operations afforded to us as a bank with over $275 million of equity.  Those ambitious objectives require significant longer-term investments in infrastructure and personnel, but will in turn help us create a financial institution with substantially greater scale, profit potential, and ability to positively impact the low-to-moderate income communities that we serve.”

“Of course, these investments overlap a shifting banking and economic environment that is increasingly challenged as rising inflation has increased the cost of doing business, both in rising funding costs and higher non-interest expenses, including the cost of retaining and attracting quality personnel.  Further, rising uncertainty from the eleven rate increases implemented by the Federal Open Market Committee of the Federal Reserve since March 2022 has made loan originations more challenging as we remain prudent in our underwriting standards and portfolio management amid any early signs of weakness in the broader economy.

However, I am also pleased to report that we expanded our loan portfolio by over 6% during the second quarter of 2023, which has now grown over 40% since the merger of Broadway and CFBanc Corporation on April 1, 2021, and 28% since the receipt of the ECIP equity capital in June last year.  This growth has enabled City First Broadway to increase total interest income in each of the nine quarters since the merger without sacrificing our commitment to credit quality or our mission.  I am also pleased to report that the Bank did not have any non-accrual loans at the end of the second quarter.”

“Going forward, our dedication to prudent continued growth, greater efficiency, and deeper service to our communities has not abated; we intend to continue growing wisely and improving our profitability.  In that regard, we have been implementing new efforts to retain and gather deposits to fund that forward growth, and those efforts have dramatically slowed the deposit migration that primarily occurred in the last three quarters of 2022.  Fortunately, the Company has the necessary equity capital and liquidity to execute its plans and continue serving the pressing needs of low-to-moderate income communities.

As always, we are particularly thankful for the dedication of our employees and the continuing support of our investors and partners.  That support remains pivotal to our ability to serve our communities, customers, and broader stakeholders.”

Net Interest Income

Second Quarter of 2023 Compared to Second Quarter of 2022

Net interest income before provision for credit losses for the second quarter of 2023 totaled $7.3 million, representing a decrease of $770 thousand, or 9.6%, from net interest income before loan loss provision of $8.0 million for the second quarter of 2022.  The decrease resulted from additional interest expense due to an increase of $154.5 million in average borrowings during the second quarter of 2023, compared to the second quarter of 2022, at an average borrowing rate of 4.30% during the second quarter of 2023, compared to an average borrowing rate of 0.42% during the second quarter of 2022.  The increase in borrowings was due to a decrease in average deposits of $187.3 million during the second quarter of 2023, compared to the second quarter of 2022, with all but $17.4 million of the decrease in average deposits occurring prior to the start of the second quarter of 2023.  Net interest margin decreased to 2.52% for the second quarter of 2023, compared to 3.00% for the second quarter of 2022, primarily due to an increase of 190 basis points in the average cost of funds, which reflected higher rates paid on deposits and borrowings because of the ten interest rate increases implemented by the Federal Open Market Committee of the Federal Reserve (the “Federal Reserve” or “FRB”) since the middle of March of 2022 through June of 2023.  The impact of the rising cost of funds was partially offset by an increase in the yield on interest-earnings assets of 86 basis points, primarily due to higher rates earned on securities, interest-earning deposits, and, to a lesser extent, the loan portfolio.

First Six Months of 2023 Compared to the First Six Months of 2022

Net interest income before provision for credit losses for the six months ended June 30, 2023 totaled $15.5 million, representing an increase of $332 thousand, or 2.2%, over net interest income before loan loss provision of $15.2 million for the six months ended June 30, 2022.  The increase resulted from additional interest income, primarily generated from growth of $81.9 million in average interest-earning assets during the six months ended June 30, 2023, compared to the six months ended June 30, 2022.  In addition, the overall rate earned on interest-earning assets increased by 88 basis points as the Bank earned higher rates on securities, interest-earning deposits, and, to a lesser extent, the loan portfolio.  Net interest margin decreased, however, to 2.74% for the six months ended June 30, 2023, compared to 2.89% for the six months ended June 30, 2022, primarily due to an increase of 148 basis points in the average cost of funds, which grew to 1.76% for the six months ended June 30, 2023, from 0.27% for the six months ended June 30, 2022.  The increase in the cost of funds reflected the higher rates that the Bank paid on deposits and borrowings because of the interest rate increases implemented by the FRB.

The following tables set forth the average balances, average yields and costs, and certain other information for the periods indicated.  All average balances are daily average balances.  The yields set forth below include the effect of deferred loan fees, and discounts and premiums that are amortized or accreted to interest income or expense.

   
For the Three Months Ended June 30,
  
   
2023
  
2022
  
   
(Dollars in thousands)
  
   
Average Balance
    
Interest
    
Average Yield
    
Average Balance
    
Interest
    
Average Yield
  
Assets
                                  
Interest-earning assets:
                                  
Interest-earning deposits
  
$
16,615
    
$
167
      
4.02
%
  
$
210,978
    
$
788
      
1.49
%
Securities
    
326,051
      
2,183
      
2.68
 %    
199,472
      
796
      
1.60
%
Loans receivable (1)
    
797,550
      
9,098
      
4.56
 %    
657,026
      
6,879
      
4.19
%
FRB and FHLB stock (2)
    
11,602
      
192
      
6.62
 %    
2,668
      
38
      
5.70
%
Total interest-earning assets
    
1,151,818
    
$
11,640
      
4.04
 %    
1,070,144
    
$
8,501
      
3.18
%
Non-interest-earning assets
    
67,173
                      
107,531
                  
Total assets
  
$
1,218,991
                    
$
1,177,675
                  
                                                 
Liabilities and Stockholders’ Equity
                                                
Interest-bearing liabilities:
                                                
Money market deposits
  
$
115,578
    
$
932
      
3.23
%
  
$
197,751
    
$
194
      
0.39
%
Savings deposits
    
60,826
      
16
      
0.11
 %    
62,458
      
13
      
0.08
%
Interest checking and other demand deposits
    
233,872
      
87
      
0.15
 %    
292,248
      
42
      
0.06
%
Certificate accounts
    
153,972
      
514
      
1.34
 %    
199,043
      
100
      
0.20
%
Total deposits
    
564,248
      
1,549
      
1.10
 %    
751,500
      
349
      
0.19
%
FHLB advances
    
186,664
      
2,141
      
4.59
 %    
39,628
      
85
      
0.86
%
Other borrowings
    
75,821
      
682
      
3.60
 %    
68,352
      
29
      
0.17
%
Total borrowings
    
262,485
      
2,823
      
4.30
 %    
107,980
      
114
      
0.42
%
Total interest-bearing liabilities
    
826,733
    
$
4,372
      
2.12
 %    
859,480
    
$
463
      
0.22
%
Non-interest-bearing liabilities
    
113,803
                      
107,771
                  
Stockholders’ equity
    
278,455
                      
210,424
                  
Total liabilities and stockholders’ equity
  
$
1,218,991
                    
$
1,177,675
                  
 
                                                
Net interest rate spread (3)
          
$
7,268
      
1.93
%
          
$
8,038
      
2.96
%
Net interest rate margin (4)
                    
2.52
%
                    
3.00
%
Ratio of interest-earning assets to interest-bearing liabilities
              
139.32
%
                    
124.51
%

(1)
Amount is net of deferred loan fees, loan discounts and loans in process, and includes deferred origination costs and loan premiums.
(2)
FHLB is Federal Home Loan Bank.
(3)
Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(4)
Net interest rate margin represents net interest income as a percentage of average interest-earning assets.

   
For the Six Months Ended June 30,
  
   
2023
  
2022
  
   
(Dollars in thousands)
  
   
Average Balance
    
Interest
    
Average Yield
    
Average Balance
    
Interest
    
Average Yield
  
Assets
                                  
Interest-earning assets:
                                  
Interest-earning deposits
  
$
15,187
    
$
286
      
3.77
%
  
$
215,622
    
$
872
      
0.81
%
Securities
    
327,178
      
4,363
      
2.67
 %    
180,220
      
1,347
      
1.49
%
Loans receivable (1)
    
782,101
      
17,633
      
4.51
 %    
655,260
      
14,083
      
4.30
%
FRB and FHLB stock
    
11,175
      
401
      
7.18
 %    
2,668
      
78
      
5.85
%
Total interest-earning assets
    
1,135,641
    
$
22,683
      
3.99
 %    
1,053,770
    
$
16,380
      
3.11
%
Non-interest-earning assets
    
67,953
                      
95,848
                  
Total assets
  
$
1,203,594
                    
$
1,149,618
                  
 
                                                
Liabilities and Stockholders’ Equity
                                                
Interest-bearing liabilities:
                                                
Money market deposits
  
$
125,603
    
$
1,703
      
2.71
%
  
$
202,414
    
$
383
      
0.38
%
Savings deposits
    
61,201
      
29
      
0.09
 %    
64,641
      
21
      
0.06
%
Interest checking and other demand deposits
    
237,668
      
164
      
0.14
 %    
261,354
      
81
      
0.06
%
Certificate accounts
    
149,550
      
956
      
1.28
 %    
200,244
      
214
      
0.21
%
Total deposits
    
574,022
      
2,852
      
0.99
 %    
728,653
      
699
      
0.19
%
FHLB advances
    
165,521
      
3,464
      
4.19
 %    
58,738
      
427
      
1.45
%
Other borrowings
    
72,973
      
825
      
2.26
 %    
68,185
      
44
      
0.13
%
Total borrowings
    
238,494
      
4,289
      
3.60
 %    
126,923
      
471
      
0.74
%
Total interest-bearing liabilities
    
812,516
    
$
7,141
      
1.76
 %    
855,576
    
$
1,170
      
0.27
%
Non-interest-bearing liabilities
    
112,281
                      
106,760
                  
Stockholders’ equity
    
278,797
                      
187,282
                  
Total liabilities and stockholders’ equity
  
$
1,203,594
                    
$
1,149,618
                  
 
                                                
Net interest rate spread (2)
          
$
15,542
      
2.24
 %            
15,210
      
2.84
%
Net interest rate margin (3)
                    
2.74
 %                    
2.89
%
Ratio of interest-earning assets to interest-bearing liabilities
              
139.77
 %                    
123.16
%

(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.

Credit Loss Provision

For the three months ended June 30, 2023, the Company recorded a provision for credit loss under the Current Expected Credit Loss (“CECL”) methodology of $768 thousand, compared to a loan loss provision recapture under the previously used incurred loss model of $577 thousand for the three months ended June 30, 2022.  For the six months ended June 30, 2023, the Company recorded a provision for credit loss of $810 thousand, compared to a loan loss provision recapture of $429 thousand for the six months ended June 30, 2022.  The increases in the provisions for credit loss during the second quarter and six months ended June 30, 2023 were due to growth in our loan portfolio and increases in loans rated as watch and special mention, which require additional provision for credit losses.  Provisions for credit losses during the second quarter and six months ended June 30, 2023 include provisions for off-balance sheet loan commitments of $83 thousand and $37 thousand, respectively.  The loan loss provision recaptures during the second quarter and six months ended June 30, 2022 were due to the Company’s capital contribution of $75 million to the Bank in June 2022, which reduced the multi-family and commercial real estate loan concentration levels, and thereby, the risk associated with the qualitative factors used to estimate the required allowance for loan and lease losses (“ALLL”) at that time.

The allowance for credit losses (“ACL”) increased to $7.0 million as of June 30, 2023, compared to $4.4 million as of December 31, 2022.  The increase was due to the implementation of the CECL methodology adopted by the Bank effective January 1, 2023, which increased the ACL by $1.8 million.  In addition, the Bank recorded an additional increase in the provision for credit losses of $768 thousand during the second quarter of 2023.  The CECL methodology includes estimates of expected loss rates in the future, whereas the former ALLL methodology did not.

The Bank had no non-accrual loans at June 30, 2023 and loan delinquencies declined by over 50% during the second quarter to less than $8 million.  No loan charge-offs were recorded during the three or six months ended June 30, 2023 or 2022.

Non-interest Income

Non-interest income for the second quarter of 2023 totaled $260 thousand, compared to $261 thousand for the second quarter of 2022.

For the first six months of 2023, non-interest income totaled $549 thousand, compared to $542 thousand for the same period in the prior year.  The increase was due to $70 thousand in fees from a revenue sharing agreement with another financial institution and an increase in branch services fees of $14 thousand for the first six months of 2023, compared to the first six months of 2022.  These increases were partially offset by lower management fees from new market tax credit projects of $76 thousand in the first six months of 2023.

Non-interest Expense

Total non-interest expense was $6.4 million for the second quarter of 2023, representing an increase of 2.5% from $6.3 million for the second quarter of 2022.  The increase of $155 thousand was primarily due to higher compensation and benefits of $427 thousand and supervisory costs of $101 thousand.  These increases were partially offset by a decrease in professional services of $351 thousand and a decrease of $22 thousand in various other operating expenses.

For the first six months of 2023, non-interest expense totaled $12.7 million, representing an increase of 4.0% from $12.2 million for the same period in the prior year.  The increase of $447 thousand primarily resulted from increases in compensation and benefits of $557 thousand, public relations expense of $60 thousand, trade organization expense of $55 thousand, Delaware franchise taxes of $46 thousand, occupancy expense of $46 thousand, supervisory costs of $38 thousand and various other operating expenses of $37 thousand.  These increases were partially offset by decreases in professional services of $210 thousand and IT consulting costs of $182 thousand.

Income Taxes

Income taxes are computed by applying the statutory federal income tax rate of 21% and the combined California and Washington, D.C. income tax rate of 9.75% to taxable income.  The Company recorded income tax expense of $93 thousand for the second quarter of 2023 and $757 thousand for the second quarter of 2022.  The decrease in tax expense reflected a decrease of $2.3 million in pre-tax income between the two periods.  The effective tax rate was 27.43% for the second quarter of 2023, compared to 29.00% for the second quarter of 2022.

For the six months ended June 30, 2023, income tax expense was $767 thousand, compared to $1.1 million for the six months ended June 30, 2022.  The decrease in tax expense reflected a decrease in in pretax earnings of $1.3 million  between the two periods. The effective tax rate was 29.41% for the six months ended June 30, 2023, compared to 28.32% for the six months ended June 30, 2022.

Balance Sheet Summary

Total assets increased by $47.1 million at June 30, 2023, compared to December 31, 2022, reflecting growth in loans receivable held for investment of $56.6 million, partially offset by a decrease of securities available-for-sale of $6.2 million and a decrease of cash and cash equivalents of $5.4 million.

Loans held for investment, net of the ACL, increased by $56.6 million to $824.6 million at June 30, 2023, compared to $768.0 million at December 31, 2022.  The increase was primarily due to loan originations of $98.2 million during the first six months of 2023, which consisted of $38.6 million of multi-family loans, $36.6 million of construction loans and $23.0 million of other commercial loans, offset in part by loan payoffs and repayments of $41.6 million.

Deposits decreased by $40.9 million to $646.1 million at June 30, 2023, from $686.9 million at December 31, 2022, with $29.4 million of the decrease occurring in the first quarter of 2023.  The decrease in deposits was attributable to decreases of $36.7 million in liquid deposits (demand, interest checking and money market accounts), $17.8 million in Insured Cash Sweep (“ICS”) deposits (ICS deposits are the Bank’s money market deposit accounts in excess of FDIC insured limits whereby the Bank makes reciprocal arrangements for insurance with other banks), $6.4 million in other certificates of deposit accounts and $1.9 million of savings deposits, partially offset by an increase of $22.0 million in Certificate of Deposit Registry Service (“CDARS”) deposits (CDARS deposits are similar to ICS deposits, but involve certificates of deposit, instead of money market accounts).  The decrease in deposits was primarily due to customers who left the Bank for higher interest rates available elsewhere.  As of June 30, 2023, our uninsured deposits, including deposits from affiliates, represented 38% of our total deposits, as compared to 31% as of December 31, 2022.

Total borrowings increased by $89.8 million to $295.6 million at June 30, 2023, from $205.8 million at December 31, 2022, primarily due to a net increase of $81.9 million in advances from the Federal Home Loan Bank (the “FHLB”) of Atlanta and $7.9 million in additional securities sold under agreements to repurchase.

Stockholders’ equity was $277.3 million, or 22.5% of the Company’s total assets, at June 30, 2023, compared to $279.5 million, or 23.60% of the Company’s total assets, at December 31, 2022.  Upon adoption of CECL on January 1, 2023, the Company recognized a net decrease in retained earnings of $1.3 million.  Stockholders’ equity also decreased due to an increase in unearned shares in the employee stock ownership plan of $2.8 million.  These decreases were offset by year-to-date net earnings of $1.8 million and a reduction of $54 thousand in the accumulated other comprehensive loss, net of tax.  Book value per share was $1.71 at June 30, 2023 and $1.76 at December 31, 2022.

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.

Contacts

Investor Relations
Brenda J. Battey, Chief Financial Officer, (323) 556-3264
Investor.relations@cityfirstbroadway.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.  All statements other than statements of historical facts contained in this press release, including statements regarding our future results of operations or financial condition, business strategy and plans and objectives of management for future operations and capital allocation and structure, are forward-looking statements.  Forward‑looking statements typically include the words “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” “poised,” “optimistic,” “prospects,” “ability,” “looking,” “forward,” “invest,” “grow,” “improve,” “deliver” 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 subject to risks and uncertainties, including those identified below, which could cause actual future results to differ materially from historical results or from those anticipated or implied by such statements.  Readers should not place undue reliance on these forward‑looking statements, which speak only as of their dates or, if no date is provided, then as of the date of this press release.  We undertake no obligation to update or revise any forward‑looking statements, whether as a result of new information, future events, or otherwise, except to the extent required by law.  The following factors, among others, could cause future results to differ materially from historical results or from those indicated by forward‑looking statements included in this press release: (1) the level of demand for mortgage and commercial loans, which is affected by such external factors as general economic conditions, market interest rate levels, tax laws, and the demographics of our lending markets; (2) the direction and magnitude of changes in interest rates and the relationship between market interest rates and the yield on our interest‑earning assets and the cost of our interest‑bearing liabilities; (3) the rate and amount of loan losses incurred and projected to be incurred by us, increases in the amounts of our nonperforming assets, the level of our loss reserves and management’s judgments regarding the collectability of loans; (4) changes in the regulation of lending and deposit operations or other regulatory actions, whether industry-wide or focused on our operations, including increases in capital requirements or directives to increase loan loss allowances or make other changes in our business operations; (5) legislative or regulatory changes, including those that may be implemented by the current administration in Washington, D.C. and the Federal Reserve Board; (6) possible adverse rulings, judgments, settlements and other outcomes of litigation; (7) actions undertaken by both current and potential new competitors; (8) the possibility of adverse trends in property values or economic trends in the residential and commercial real estate markets in which we compete; (9) the effect of changes in economic conditions; (10) the effect of geopolitical uncertainties; (11) the discontinuation of LIBOR as an interest rate benchmark; (12) the impact of COVID-19 or other health crises on our future financial condition and operations; (13) the impact of recent volatility in the banking sector due to the failure of certain banks due to high levels of exposure to liquidity risk, interest rate risk, uninsured deposits and cryptocurrency risk; and (14) other risks and uncertainties.  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.

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

   
June 30, 2023
    
December 31, 2022
  
Selected Financial Condition Data and Ratios:
            
Cash and cash equivalents
  
$
10,742
    
$
16,105
  
Securities available-for-sale, at fair value
    
322,516
      
328,749
  
Loans receivable held for investment
    
831,591
      
772,434
  
Allowance for credit losses
    
(6,970
)
    
(4,388
)
Loans receivable held for investment, net of allowance
    
824,621
      
768,046
  
Total assets
    
1,231,372
      
1,184,293
  
Deposits
    
646,063
      
686,916
  
Securities sold under agreements to repurchase
    
71,381
      
63,471
  
FHLB advances
    
210,268
      
128,344
  
Notes payable
    
14,000
      
14,000
  
Total stockholders' equity
    
277,289
      
279,482
  
                 
Book value per share
  
$
1.71
    
$
1.76
  
Equity to total assets
    
22.52
%
    
23.60
%
                 
Asset Quality Ratios:
                
Non-accrual loans to total loans
    
0.00
%
    
0.02
%
Non-performing assets to total assets
    
0.00
%
    
0.01
%
Allowance for credit losses to total gross loans
    
0.84
%
    
0.57
%
Allowance for credit losses to non-performing loans
    
N/A
      
3047.22
%
                 
Non-Performing Assets:
                
Non-accrual loans
  
$
-
    
$
144
  
Loans delinquent 90 days or more and still accruing
    
-
      
-
  
Real estate acquired through foreclosure
    
-
      
-
  
Total non-performing assets
  
$
-
    
$
144
  
                 
Delinquent loans less than 30 days delinquent
  
$
7,988
    
$
8,253
  
Delinquent loans 30 to 89 days delinquent
  
$
-
    
$
-
  
Delinquent loans greater than 90 days delinquent
  
$
-
    
$
-
  

   
Three Months Ended June 30,
      
Six Months Ended June 30,
  
Selected Operating Data and Ratios:
  
2023
      
2022
      
2023
      
2022
  
Interest income
  
$
11,772
      
$
8,501
      
$
22,946
      
$
16,380
  
Interest expense
    
4,504
        
463
        
7,404
        
1,170
  
Net interest income
    
7,268
        
8,038
        
15,542
        
15,210
  
Credit loss provision (recapture)
    
768
        
(577
)
      
810
        
(429
)
Net interest income after loan loss provision
    
6,500
        
8,615
        
14,732
        
15,639
  
Non-interest income
    
260
        
261
        
549
        
542
  
Non-interest expense
    
(6,421
)
      
(6,266
)
      
(12,673
)
      
(12,226
)
Income before income taxes
    
339
        
2,610
        
2,608
        
3,955
  
Income tax expense
    
93
        
757
        
767
        
1,120
  
Net income
  
$
246
      
$
1,853
      
$
1,841
      
$
2,835
  
                                            
Net income (loss) - non-controlling interest
    
3
        
(1
)
      
25
        
23
  
Net income Broadway Financial Corporation
  
$
243
      
$
1,854
      
$
1,816
      
$
2,812
  
                                            
Earnings per common share-diluted
  
$
0.00
      
$
0.03
      
$
0.03
      
$
0.04
  
                                          
Loan originations (1)
  
$
63,983
      
$
49,158
      
$
98,219
      
$
103,863
  
                                           
Net recoveries to average loans
    
(0.00
)%
(2)
    
(0.00
)%
(2)
    
(0.00
)%
(2)
    
(0.00
)%
(2)
Return on average assets
    
0.08
%
(2)
    
0.63
%
(2)
    
0.31
%
(2)
    
0.49
%
(2)
Return on average equity
    
0.35
%
(2)
    
3.52
%
(2)
    
1.32
%
(2)
    
3.03
%
(2)
Net interest margin
    
2.52
%
(2)
    
3.00
%
(2)
    
2.74
%
(2)
    
2.89
%
(2)

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

 
 EX-101.SCH 3 byfc-20230808.xsd XBRL TAXONOMY EXTENSION SCHEMA 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 byfc-20230808_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-20230808_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 6 R1.htm IDEA: XBRL DOCUMENT v3.23.2
Document and Entity Information
Aug. 08, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Aug. 08, 2023
Entity File Number 001-39043
Entity Registrant Name BROADWAY FINANCIAL CORPORATION
Entity Central Index Key 0001001171
Entity Incorporation, State or Country Code DE
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
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
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
XML 7 brhc20057225_8k_htm.xml IDEA: XBRL DOCUMENT 0001001171 2023-08-08 2023-08-08 false 0001001171 NASDAQ 8-K 2023-08-08 BROADWAY FINANCIAL CORPORATION 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 false EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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

&PO7W)E;',O M=V]R:V)O;VLN>&UL+G)E;'-02P$"% ,4 " !@E@A799!YDAD! #/ P M$P @ 'P$@ 6T-O;G1E;G1?5'EP97-=+GAM;%!+!08 .."0 ) #X" Z% ! 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 3.23.2 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 [ix-0514-Hidden-Fact-Eligible-For-Transform] WARN: 1 fact(s) appearing in ix:hidden were eligible for transformation: dei:SecurityExchangeName - brhc20057225_8k.htm 11 brhc20057225_8k.htm brhc20057225_ex99-1.htm byfc-20230808.xsd byfc-20230808_lab.xml byfc-20230808_pre.xml http://xbrl.sec.gov/dei/2023 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "brhc20057225_8k.htm": { "axisCustom": 0, "axisStandard": 0, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2023": 22 }, "contextCount": 1, "dts": { "inline": { "local": [ "brhc20057225_8k.htm" ] }, "labelLink": { "local": [ "byfc-20230808_lab.xml" ] }, "presentationLink": { "local": [ "byfc-20230808_pre.xml" ] }, "schema": { "local": [ "byfc-20230808.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://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd", "https://xbrl.sec.gov/country/2023/country-2023.xsd", "https://xbrl.sec.gov/currency/2023/currency-2023.xsd", "https://xbrl.sec.gov/dei/2023/dei-2023.xsd", "https://xbrl.sec.gov/exch/2023/exch-2023.xsd", "https://xbrl.sec.gov/naics/2023/naics-2023.xsd", "https://xbrl.sec.gov/sic/2023/sic-2023.xsd", "https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd" ] } }, "elementCount": 29, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2023": 3, "total": 3 }, "keyCustom": 0, "keyStandard": 22, "memberCustom": 0, "memberStandard": 0, "nsprefix": "byfc", "nsuri": "http://broadwayfed.com/20230808", "report": { "R1": { "firstAnchor": { "ancestors": [ "div", "div", "div", "body", "html" ], "baseRef": "brhc20057225_8k.htm", "contextRef": "c20230808to20230808", "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", "menuCat": "Cover", "order": "1", "role": "http://broadwayfed.com/role/DocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "div", "div", "div", "body", "html" ], "baseRef": "brhc20057225_8k.htm", "contextRef": "c20230808to20230808", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r1" ], "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r1" ], "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/2023", "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/2023", "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r1" ], "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r1" ], "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/2023", "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/2023", "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "trueItemType" }, "dei_PreCommencementIssuerTenderOffer": { "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 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "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 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/2023", "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r2" ], "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r5" ], "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/2023", "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/2023", "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/2023", "presentation": [ "http://broadwayfed.com/role/DocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r5": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12", "role": "http://www.xbrl.org/2003/role/presentationRef" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425", "role": "http://www.xbrl.org/2003/role/presentationRef" } }, "version": "2.2" } ZIP 15 0001140361-23-038637-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001140361-23-038637-xbrl.zip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end