Call reports 2021
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2021
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 291,169,000 | 290,560,000 | 304,363,000 | 303,330,000 |
| Total loans | 198,740,000 | 206,123,000 | 194,388,000 | 190,724,000 |
| Allowance for loan losses | 2,259,000 | 2,306,000 | 2,312,000 | 2,311,000 |
| Securities available for sale | 169,000 | 152,000 | 138,000 | 124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,000 | 33,000 | 26,000 | 0 |
| Total deposits | 261,192,000 | 260,764,000 | 274,256,000 | 274,910,000 |
| Interest-bearing deposits | 196,796,000 | 198,251,000 | 209,678,000 | 210,718,000 |
| Noninterest-bearing deposits | 64,396,000 | 62,513,000 | 64,578,000 | 64,192,000 |
| Equity capital | 20,716,000 | 21,055,000 | 21,475,000 | 21,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,138,000 | 6,401,000 | 8,378,000 |
| Interest expense | 275,000 | 504,000 | 707,000 | 884,000 |
| Net interest income | 1,771,000 | 3,634,000 | 5,694,000 | 7,494,000 |
| Noninterest income | 658,000 | 1,320,000 | 2,063,000 | 2,794,000 |
| Noninterest expense | 2,006,000 | 4,070,000 | 6,339,000 | 8,425,000 |
| Provision for loan losses | 22,000 | 81,000 | 112,000 | 80,000 |
| Pretax income | 401,000 | 803,000 | 1,306,000 | 1,783,000 |
| Income tax | 61,000 | 122,000 | 204,000 | 283,000 |
| Net income | 340,000 | 681,000 | 1,102,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,900,000 | 19,253,000 | 19,678,000 | 20,085,000 |
| Total capital | 20,749,000 | 21,214,000 | 21,616,000 | 22,010,000 |
| Risk-weighted assets | 147,548,000 | 156,583,000 | 154,720,000 | 153,665,000 |