Call reports 2023
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2023
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 288,419,000 | 285,195,000 | 282,885,000 | 285,205,000 |
| Total loans | 188,100,000 | 193,009,000 | 194,256,000 | 198,536,000 |
| Allowance for loan losses | 2,285,000 | 2,276,000 | 2,214,000 | 2,321,000 |
| Securities available for sale | 24,059,000 | 17,399,000 | 16,475,000 | 18,682,000 |
| Securities held to maturity | 45,954,000 | 42,103,000 | 38,244,000 | 34,373,000 |
| Trading assets | 6,000 | 0 | 0 | 0 |
| Total deposits | 260,987,000 | 256,863,000 | 253,635,000 | 255,839,000 |
| Interest-bearing deposits | 196,242,000 | 196,801,000 | 192,990,000 | 192,797,000 |
| Noninterest-bearing deposits | 64,745,000 | 60,062,000 | 60,645,000 | 63,042,000 |
| Equity capital | 24,341,000 | 24,942,000 | 25,486,000 | 26,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,862,000 | 5,742,000 | 8,703,000 | 11,764,000 |
| Interest expense | 286,000 | 726,000 | 1,297,000 | 1,956,000 |
| Net interest income | 2,576,000 | 5,016,000 | 7,406,000 | 9,808,000 |
| Noninterest income | 570,000 | 1,333,000 | 1,938,000 | 2,522,000 |
| Noninterest expense | 2,327,000 | 4,627,000 | 6,885,000 | 9,242,000 |
| Provision for loan losses | 27,000 | 16,000 | 7,000 | 108,000 |
| Pretax income | 809,000 | 1,852,000 | 2,525,000 | 3,040,000 |
| Income tax | 167,000 | 383,000 | 521,000 | 592,000 |
| Net income | 642,000 | 1,469,000 | 2,004,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,578,000 | 23,412,000 | 23,954,000 | 24,406,000 |
| Total capital | 24,453,000 | 25,353,000 | 25,922,000 | 26,398,000 |
| Risk-weighted assets | 149,641,000 | 154,998,000 | 157,179,000 | 158,993,000 |