Call reports 2020
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2020
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 221,646,000 | 252,929,000 | 266,310,000 | 277,405,000 |
| Total loans | 187,946,000 | 204,874,000 | 204,382,000 | 192,911,000 |
| Allowance for loan losses | 1,594,000 | 1,797,000 | 1,938,000 | 2,252,000 |
| Securities available for sale | 250,000 | 230,000 | 207,000 | 187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 41,000 | 74,000 | 162,000 |
| Total deposits | 187,758,000 | 220,076,000 | 234,245,000 | 246,135,000 |
| Interest-bearing deposits | 156,462,000 | 173,390,000 | 179,442,000 | 189,215,000 |
| Noninterest-bearing deposits | 31,296,000 | 46,686,000 | 54,803,000 | 56,920,000 |
| Equity capital | 19,205,000 | 19,507,000 | 19,951,000 | 20,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,143,000 | 4,269,000 | 6,403,000 | 8,717,000 |
| Interest expense | 447,000 | 823,000 | 1,170,000 | 1,496,000 |
| Net interest income | 1,696,000 | 3,446,000 | 5,233,000 | 7,221,000 |
| Noninterest income | 517,000 | 1,231,000 | 2,207,000 | 3,296,000 |
| Noninterest expense | 2,072,000 | 3,963,000 | 6,074,000 | 8,329,000 |
| Provision for loan losses | 57,000 | 277,000 | 399,000 | 711,000 |
| Pretax income | 84,000 | 437,000 | 967,000 | 1,477,000 |
| Income tax | -5,000 | 45,000 | 133,000 | 216,000 |
| Net income | 89,000 | 392,000 | 834,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,357,000 | 17,667,000 | 18,119,000 | 18,553,000 |
| Total capital | 18,967,000 | 19,483,000 | 19,995,000 | 20,424,000 |
| Risk-weighted assets | 149,649,000 | 153,273,000 | 150,072,000 | 149,298,000 |