Call reports 2024
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2024
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 280,957,000 | 285,118,000 | 283,014,000 | 287,826,000 |
| Total loans | 197,083,000 | 202,274,000 | 203,766,000 | 205,741,000 |
| Allowance for loan losses | 2,135,000 | 2,235,000 | 2,296,000 | 2,239,000 |
| Securities available for sale | 18,660,000 | 28,392,000 | 27,807,000 | 26,728,000 |
| Securities held to maturity | 30,490,000 | 26,599,000 | 21,701,000 | 16,788,000 |
| Trading assets | 0 | 0 | 11,000 | 0 |
| Total deposits | 251,772,000 | 254,557,000 | 251,476,000 | 255,992,000 |
| Interest-bearing deposits | 193,043,000 | 194,656,000 | 191,395,000 | 197,545,000 |
| Noninterest-bearing deposits | 58,729,000 | 59,901,000 | 60,081,000 | 58,447,000 |
| Equity capital | 26,570,000 | 27,060,000 | 28,217,000 | 28,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,355,000 | 9,808,000 | 13,279,000 |
| Interest expense | 681,000 | 1,437,000 | 2,242,000 | 3,052,000 |
| Net interest income | 2,424,000 | 4,918,000 | 7,566,000 | 10,227,000 |
| Noninterest income | 571,000 | 1,174,000 | 2,075,000 | 2,746,000 |
| Noninterest expense | 2,527,000 | 5,011,000 | 7,574,000 | 10,142,000 |
| Provision for loan losses | -186,000 | -86,000 | -80,000 | -138,000 |
| Pretax income | 620,000 | 1,219,000 | 2,214,000 | 3,021,000 |
| Income tax | 97,000 | 203,000 | 331,000 | 469,000 |
| Net income | 523,000 | 1,016,000 | 1,883,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,934,000 | 25,434,000 | 26,309,000 | 26,983,000 |
| Total capital | 26,929,000 | 27,489,000 | 28,308,000 | 29,017,000 |
| Risk-weighted assets | 159,355,000 | 164,216,000 | 159,655,000 | 162,532,000 |