Call reports 2022
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2022
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 300,452,000 | 290,878,000 | 308,029,000 | 309,393,000 |
| Total loans | 189,359,000 | 188,647,000 | 189,990,000 | 188,507,000 |
| Allowance for loan losses | 2,218,000 | 2,271,000 | 2,313,000 | 2,301,000 |
| Securities available for sale | 108,000 | 97,000 | 8,796,000 | 21,931,000 |
| Securities held to maturity | 0 | 35,443,000 | 49,639,000 | 47,800,000 |
| Trading assets | 24,000 | 11,000 | 0 | 0 |
| Total deposits | 273,714,000 | 266,261,000 | 282,630,000 | 282,476,000 |
| Interest-bearing deposits | 209,700,000 | 202,526,000 | 210,268,000 | 212,258,000 |
| Noninterest-bearing deposits | 64,014,000 | 63,735,000 | 72,362,000 | 70,218,000 |
| Equity capital | 22,104,000 | 22,419,000 | 22,847,000 | 23,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,946,000 | 6,454,000 | 9,265,000 |
| Interest expense | 145,000 | 279,000 | 452,000 | 679,000 |
| Net interest income | 1,694,000 | 3,667,000 | 6,002,000 | 8,586,000 |
| Noninterest income | 743,000 | 1,375,000 | 2,062,000 | 2,701,000 |
| Noninterest expense | 2,112,000 | 4,262,000 | 6,571,000 | 8,952,000 |
| Provision for loan losses | 34,000 | 94,000 | 134,000 | 106,000 |
| Pretax income | 291,000 | 686,000 | 1,359,000 | 2,229,000 |
| Income tax | 58,000 | 137,000 | 274,000 | 453,000 |
| Net income | 233,000 | 549,000 | 1,085,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,327,000 | 20,650,000 | 21,192,000 | 21,891,000 |
| Total capital | 22,239,000 | 22,565,000 | 23,110,000 | 23,829,000 |
| Risk-weighted assets | 153,013,000 | 152,854,000 | 153,019,000 | 154,672,000 |