2022 Q4 Form 10-K Financial Statement

#000114036123017732 Filed on April 11, 2023

View on sec.gov

Income Statement

Concept 2022 Q4 2022
Revenue $145.0K
YoY Change -99.41%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization -$145.0K $376.0K
YoY Change -165.91% 31.01%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.409M
YoY Change -9.07%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.284M $8.119M
YoY Change -211.96% -266.17%
Income Tax $759.0K $2.413M
% Of Pretax Income 33.23% 29.72%
Net Earnings $1.499M $5.636M
YoY Change -203.38% -239.16%
Net Earnings / Revenue 3886.9%
Basic Earnings Per Share $0.08
Diluted Earnings Per Share $0.02 $0.08
COMMON SHARES
Basic Shares Outstanding 72.41M
Diluted Shares Outstanding 72.82M

Balance Sheet

Concept 2022 Q4 2022
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $16.11M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $10.29M $10.29M
YoY Change -0.51% -0.09%
Goodwill $25.86M
YoY Change -0.53%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $11.87M $11.87M
YoY Change 94.62% 94.62%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.184B $1.184B
YoY Change 8.3% 8.3%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $11.91M $11.91M
YoY Change -3.95% -3.95%
Deferred Revenue
YoY Change
Short-Term Debt $77.47M $77.47M
YoY Change 17.38% 17.38%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $89.38M $89.38M
YoY Change 620.81% 620.81%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities $89.38M $89.38M
Total Long-Term Liabilities $0.00 $0.00
Total Liabilities $904.6M $904.8M
YoY Change -5.02% -5.01%
SHAREHOLDERS EQUITY
Retained Earnings $9.294M
YoY Change 153.04%
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $5.326M
YoY Change 0.0%
Treasury Stock Shares $2.618M
Shareholders Equity $279.5M $279.5M
YoY Change
Total Liabilities & Shareholders Equity $1.184B $1.184B
YoY Change 8.3% 8.3%

Cashflow Statement

Concept 2022 Q4 2022
OPERATING ACTIVITIES
Net Income $1.499M $5.636M
YoY Change -203.38% -239.16%
Depreciation, Depletion And Amortization -$145.0K $376.0K
YoY Change -165.91% 31.01%
Cash From Operating Activities $996.0K $6.324M
YoY Change -129.82% 1017.31%
INVESTING ACTIVITIES
Capital Expenditures -$493.0K $323.0K
YoY Change -51.67% -71.62%
Acquisitions
YoY Change
Other Investing Activities -$48.93M -$323.6M
YoY Change 848.26% -1337.14%
Cash From Investing Activities -$48.44M -$324.0M
YoY Change 683.77% -1394.64%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $0.00
YoY Change -100.0%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 11.33M 102.2M
YoY Change -64.98% -6.92%
NET CHANGE
Cash From Operating Activities 996.0K 6.324M
Cash From Investing Activities -48.44M -324.0M
Cash From Financing Activities 11.33M 102.2M
Net Change In Cash -36.11M -215.4M
YoY Change -258.18% -259.08%
FREE CASH FLOW
Cash From Operating Activities $996.0K $6.324M
Capital Expenditures -$493.0K $323.0K
Free Cash Flow $1.489M $6.001M
YoY Change -164.18% -1149.13%

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FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
7000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
4381000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
4388000
CY2022Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
1712000
CY2022Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
624468000
CY2022Q4 byfc Financing Receivable Before Allowance For Credit Loss Excluding Loans Acquired In Merger
FinancingReceivableBeforeAllowanceForCreditLossExcludingLoansAcquiredInMerger
626180000
CY2022Q4 byfc Financing Receivable Acquired In Merger
FinancingReceivableAcquiredInMerger
147264000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
773444000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
7000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3384000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
3391000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
2301000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
447692000
CY2021Q4 byfc Financing Receivable Before Allowance For Credit Loss Excluding Loans Acquired In Merger
FinancingReceivableBeforeAllowanceForCreditLossExcludingLoansAcquiredInMerger
449993000
CY2021Q4 byfc Financing Receivable Acquired In Merger
FinancingReceivableAcquiredInMerger
203753000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
653746000
CY2022Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
1712000
CY2022Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
1712000
CY2022Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
7000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
2301000
CY2021Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
2301000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
7000
CY2022 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
2464000
CY2022 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
106000
CY2021 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
2666000
CY2021 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
200000
CY2022 us-gaap Loans And Leases Receivable Impaired Interest Lost On Nonaccrual Loans
LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans
31000
CY2021 us-gaap Loans And Leases Receivable Impaired Interest Lost On Nonaccrual Loans
LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans
71000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
773444000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
653746000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
144000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
684000
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2022Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1700000
CY2021Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1800000
CY2022Q4 byfc Allowance For Credit Losses Related To Troubled Debt Restructured Loans
AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans
7000
CY2021Q4 byfc Allowance For Credit Losses Related To Troubled Debt Restructured Loans
AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans
7000
CY2022 byfc Financing Receivable Modifications Return To Accrual Status Period Of Timely Payments
FinancingReceivableModificationsReturnToAccrualStatusPeriodOfTimelyPayments
P6M
CY2022Q4 us-gaap Loans And Leases Receivable Impaired Commitment To Lend
LoansAndLeasesReceivableImpairedCommitmentToLend
0
CY2021Q4 us-gaap Loans And Leases Receivable Impaired Commitment To Lend
LoansAndLeasesReceivableImpairedCommitmentToLend
0
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2022 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
773444000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
653746000
CY2022Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
14699000
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
14376000
CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
4408000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
4032000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
10291000
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
10344000
CY2022 us-gaap Depreciation
Depreciation
376000
CY2021 us-gaap Depreciation
Depreciation
287000
CY2022Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
889000
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
906000
CY2022Q4 byfc Lessee Operating Lease Number Of Lease Extension Options
LesseeOperatingLeaseNumberOfLeaseExtensionOptions
1
CY2022Q4 us-gaap Lessee Operating Lease Renewal Term
LesseeOperatingLeaseRenewalTerm
P5Y
CY2022 us-gaap Operating Lease Expense
OperatingLeaseExpense
214000
CY2021 us-gaap Operating Lease Expense
OperatingLeaseExpense
478000
CY2022 us-gaap Operating Lease Payments
OperatingLeasePayments
229000
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
57000
CY2022 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
0
CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1119000
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P45M
CY2021Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P57M
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.011
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.011
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
236000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
244000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
252000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
194000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
926000
CY2022Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
20000
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
906000
CY2022Q4 us-gaap Goodwill
Goodwill
25900000
CY2021Q4 us-gaap Goodwill
Goodwill
25996000
CY2022 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
0
CY2022 byfc Goodwill Change In Deferred Tax Estimate
GoodwillChangeInDeferredTaxEstimate
138000
CY2022 byfc Goodwill Amortization
GoodwillAmortization
0
CY2022 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2022Q4 us-gaap Goodwill
Goodwill
25858000
CY2021 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2022 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
5764000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
90285000
CY2022Q4 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
328577000
CY2021Q4 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
220152000
CY2022Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
155200000
CY2021Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
204888000
CY2022Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
62322000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
70750000
CY2022Q4 us-gaap Time Deposits
TimeDeposits
135053000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
201977000
CY2022Q4 us-gaap Deposits
Deposits
686916000
CY2021Q4 us-gaap Deposits
Deposits
788052000
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
4300000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
5000000
CY2022Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
212900000
CY2021Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
265800000
CY2022Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
118070000
CY2022Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
10767000
CY2022Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
729000
CY2022Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
5312000
CY2022Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
167000
CY2022Q4 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
8000
CY2022Q4 us-gaap Time Deposits
TimeDeposits
135053000
CY2022Q4 byfc Time Deposits250000 Or More
TimeDeposits250000OrMore
30200000
CY2021Q4 byfc Time Deposits250000 Or More
TimeDeposits250000OrMore
20400000
CY2022Q4 us-gaap Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
24300000
CY2021Q4 us-gaap Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
22700000
CY2022 byfc Cost Of Shares Purchased By Esop
CostOfSharesPurchasedByESOP
500000
CY2022 us-gaap Origination Of Loans To Employee Stock Ownership Plans
OriginationOfLoansToEmployeeStockOwnershipPlans
5000000
CY2022 byfc Employee Stock Ownership Plan Loan Term
EmployeeStockOwnershipPlanLoanTerm
P20Y
CY2022 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
66000
CY2022 us-gaap Federal Home Loan Bank Advances Activity For Year Average Balance Of Agreements Outstanding
FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
61593000
CY2021 us-gaap Federal Home Loan Bank Advances Activity For Year Average Balance Of Agreements Outstanding
FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
100471000
CY2022Q4 us-gaap Federal Home Loan Bank Advances Activity For Year Maximum Outstanding At Any Month End
FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
128823000
CY2021Q4 us-gaap Federal Home Loan Bank Advances Activity For Year Maximum Outstanding At Any Month End
FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
113580000
CY2022Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
128344000
CY2021Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
85952000
CY2022Q4 us-gaap Federal Home Loan Bank Advances Weighted Average Interest Rate
FederalHomeLoanBankAdvancesWeightedAverageInterestRate
0.0374
CY2021Q4 us-gaap Federal Home Loan Bank Advances Weighted Average Interest Rate
FederalHomeLoanBankAdvancesWeightedAverageInterestRate
0.0185
CY2022 us-gaap Federal Home Loan Bank Advances Activity For Year Average Interest Rate For Year
FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear
0.0174
CY2021 us-gaap Federal Home Loan Bank Advances Activity For Year Average Interest Rate For Year
FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear
0.0196
CY2022 us-gaap Federal Home Loan Bank Advances Maturity Period Fixed Rate
FederalHomeLoanBankAdvancesMaturityPeriodFixedRate
P13M
CY2021 us-gaap Federal Home Loan Bank Advances Maturity Period Fixed Rate
FederalHomeLoanBankAdvancesMaturityPeriodFixedRate
P22M
CY2022Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds
70600000
CY2022Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
95500000
CY2022Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due From One To Two Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate
0
CY2022Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due From Two To Three Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate
32844000
CY2022Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
128344000
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
63500000
CY2022 byfc Weighted Average Rate On Repurchase Agreements
WeightedAverageRateOnRepurchaseAgreements
0.0038
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase Collateral Right To Reclaim Securities
SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities
64400000
CY2021Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
52000000
CY2021 byfc Weighted Average Rate On Repurchase Agreements
WeightedAverageRateOnRepurchaseAgreements
0.001
CY2021Q4 us-gaap Securities Sold Under Agreements To Repurchase Collateral Right To Reclaim Securities
SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities
53200000
CY2022Q4 us-gaap Notes Payable
NotesPayable
14000000
CY2022Q4 us-gaap Notes Payable
NotesPayable
14000000
CY2022 byfc Number Of Notes Payables
NumberOfNotesPayables
2
CY2022 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
466955
CY2022 us-gaap Employee Stock Ownership Plan Esop Weighted Average Purchase Price Of Shares Purchased
EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased
1.07
CY2021 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
109000
CY2022Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
1057504
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
1087216
CY2022Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
9892
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
10064
CY2022Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Suspense Shares
EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares
948488
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Suspense Shares
EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares
521618
CY2022Q4 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
2015884
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
1618898
CY2022Q4 us-gaap Employee Stock Ownership Plan Esop Deferred Shares Fair Value
EmployeeStockOwnershipPlanESOPDeferredSharesFairValue
1015000
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Deferred Shares Fair Value
EmployeeStockOwnershipPlanESOPDeferredSharesFairValue
1454000
CY2022 byfc Employee Stock Ownership Plan Esop Number Of Shares Released For Allocation
EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation
40257
CY2021 byfc Employee Stock Ownership Plan Esop Number Of Shares Released For Allocation
EmployeeStockOwnershipPlanEsopNumberOfSharesReleasedForAllocation
40945
CY2022Q4 byfc Unearned Esop Shares Cost
UnearnedESOPSharesCost
1300000
CY2021Q4 byfc Unearned Esop Shares Cost
UnearnedESOPSharesCost
829000
CY2022 us-gaap Origination Of Loans To Employee Stock Ownership Plans
OriginationOfLoansToEmployeeStockOwnershipPlans
5000000
CY2022 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
EmployeeStockOwnershipPlanESOPSharesContributedToESOP
466955
CY2022 byfc Cost Of Shares Purchased By Esop
CostOfSharesPurchasedByESOP
500000
CY2022 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
700000
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
4000
CY2022 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
218000
CY2021 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
-38000
CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
944000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-909000
CY2022 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
551000
CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-363000
CY2022 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
0
CY2021 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
369000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2413000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-937000
CY2022Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
7388000
CY2022 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
1705000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
-1026000
CY2022 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
623000
CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
-292000
CY2022 byfc Effective Income Tax Rate Reconciliation Earnings Losses From Bank Owned Life Insurance Amount
EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount
9000
CY2021 byfc Effective Income Tax Rate Reconciliation Earnings Losses From Bank Owned Life Insurance Amount
EffectiveIncomeTaxRateReconciliationEarningsLossesFromBankOwnedLifeInsuranceAmount
9000
CY2022 byfc Effective Income Tax Rate Reconciliation Merger Related Expenses Amount
EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount
0
CY2021 byfc Effective Income Tax Rate Reconciliation Merger Related Expenses Amount
EffectiveIncomeTaxRateReconciliationMergerRelatedExpensesAmount
195000
CY2022 us-gaap Income Tax Reconciliation Tax Credits Investment
IncomeTaxReconciliationTaxCreditsInvestment
6000
CY2021 us-gaap Income Tax Reconciliation Tax Credits Investment
IncomeTaxReconciliationTaxCreditsInvestment
58000
CY2022 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
0
CY2021 us-gaap Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance
369000
CY2022 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
25000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
-129000
CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
75000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
13000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2413000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-937000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
1063000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
677000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
555000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
954000
CY2022Q4 us-gaap Deferred Tax Assets State Taxes
DeferredTaxAssetsStateTaxes
45000
CY2021Q4 us-gaap Deferred Tax Assets State Taxes
DeferredTaxAssetsStateTaxes
1000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
226000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
154000
CY2022Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
2616000
CY2021Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
3946000
CY2022Q4 byfc Deferred Tax Assets Nonaccrual Interest On Loans
DeferredTaxAssetsNonaccrualInterestOnLoans
0
CY2021Q4 byfc Deferred Tax Assets Nonaccrual Interest On Loans
DeferredTaxAssetsNonaccrualInterestOnLoans
51000
CY2022Q4 us-gaap Deferred Tax Assets Investments
DeferredTaxAssetsInvestments
257000
CY2021Q4 us-gaap Deferred Tax Assets Investments
DeferredTaxAssetsInvestments
155000
CY2022Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards General Business
DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness
1962000
CY2021Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards General Business
DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness
2006000
CY2022Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards Alternative Minimum Tax
DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax
5000
CY2021Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards Alternative Minimum Tax
DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax
5000
CY2021Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
464000
CY2022Q4 byfc Deferred Tax Assets Right Of Use Liability
DeferredTaxAssetsRightOfUseLiability
266000
CY2021Q4 byfc Deferred Tax Assets Right Of Use Liability
DeferredTaxAssetsRightOfUseLiability
319000
CY2022Q4 byfc Deferred Tax Assets Fair Value Adjustment On Acquired Loans
DeferredTaxAssetsFairValueAdjustmentOnAcquiredLoans
291000
CY2021Q4 byfc Deferred Tax Assets Fair Value Adjustment On Acquired Loans
DeferredTaxAssetsFairValueAdjustmentOnAcquiredLoans
521000
CY2022Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
332000
CY2021Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
363000
CY2022Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
15006000
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
9616000
CY2022Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
369000
CY2021Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
369000
CY2022Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
14637000
CY2021Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
9247000
CY2022Q4 byfc Deferred Tax Liabilities Bad Debt Adjustments
DeferredTaxLiabilitiesBadDebtAdjustments
7000
CY2021Q4 byfc Deferred Tax Liabilities Bad Debt Adjustments
DeferredTaxLiabilitiesBadDebtAdjustments
6000
CY2022Q4 us-gaap Deferred Tax Liabilities Deferred Expense
DeferredTaxLiabilitiesDeferredExpense
776000
CY2021Q4 us-gaap Deferred Tax Liabilities Deferred Expense
DeferredTaxLiabilitiesDeferredExpense
750000
CY2022Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
723000
CY2021Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
702000
CY2022Q4 byfc Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends
DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends
90000
CY2021Q4 byfc Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends
DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends
98000
CY2022Q4 byfc Deferred Tax Liabilities Nonaccrual Interest On Loans
DeferredTaxLiabilitiesNonaccrualInterestOnLoans
8000
CY2021Q4 byfc Deferred Tax Liabilities Nonaccrual Interest On Loans
DeferredTaxLiabilitiesNonaccrualInterestOnLoans
0
CY2022Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
186000
CY2021Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
220000
CY2022Q4 byfc Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
256000
CY2021Q4 byfc Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
317000
CY2022Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets
719000
CY2021Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets
1053000
CY2022Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
2765000
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
3146000
CY2022Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
11872000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
6101000
CY2022Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
369000
CY2022Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
11900000
CY2021Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
369000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
6100000
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
60151556
CY2022 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
413892
CY2021 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2022 byfc Incremental Common Shares Attributable To Dilutive Effect Of Exercise Of Stock Options
IncrementalCommonSharesAttributableToDilutiveEffectOfExerciseOfStockOptions
0
CY2021 byfc Incremental Common Shares Attributable To Dilutive Effect Of Exercise Of Stock Options
IncrementalCommonSharesAttributableToDilutiveEffectOfExerciseOfStockOptions
0
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
72822912
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
60151556
CY2021Q4 byfc Banking Regulation Community Bank Leverage Capital Ratio Well Capitalized Minimum
BankingRegulationCommunityBankLeverageCapitalRatioWellCapitalizedMinimum
0.085
CY2022Q4 byfc Banking Regulation Community Bank Leverage Capital Actual
BankingRegulationCommunityBankLeverageCapitalActual
181304000
CY2022Q4 byfc Banking Regulation Community Bank Leverage Capital Ratio Actual
BankingRegulationCommunityBankLeverageCapitalRatioActual
0.1575
CY2022Q4 byfc Banking Regulation Community Bank Leverage Capital Well Capitalized Minimum
BankingRegulationCommunityBankLeverageCapitalWellCapitalizedMinimum
103591000
CY2022Q4 byfc Banking Regulation Community Bank Leverage Capital Ratio Well Capitalized Minimum
BankingRegulationCommunityBankLeverageCapitalRatioWellCapitalizedMinimum
0.09
CY2021Q4 byfc Banking Regulation Community Bank Leverage Capital Actual
BankingRegulationCommunityBankLeverageCapitalActual
98590000
CY2021Q4 byfc Banking Regulation Community Bank Leverage Capital Ratio Actual
BankingRegulationCommunityBankLeverageCapitalRatioActual
0.0932
CY2021Q4 byfc Banking Regulation Community Bank Leverage Capital Well Capitalized Minimum
BankingRegulationCommunityBankLeverageCapitalWellCapitalizedMinimum
89871000
CY2021Q4 byfc Banking Regulation Community Bank Leverage Capital Ratio Well Capitalized Minimum
BankingRegulationCommunityBankLeverageCapitalRatioWellCapitalizedMinimum
0.085
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.08
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-0.07
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.08
CY2022 us-gaap Net Income Loss
NetIncomeLoss
5636000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
-4050000
CY2022 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
32000
CY2021 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
2000
CY2022 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5604000
CY2021 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-4052000
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
72409020
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-0.07
CY2021 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0

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