Call reports 2025
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2025
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 289,565,000 | 279,103,000 | 285,973,000 | 285,569,000 |
| Total loans | 204,142,000 | 208,886,000 | 209,856,000 | 215,213,000 |
| Allowance for loan losses | 2,206,000 | 2,172,000 | 2,137,000 | 2,162,000 |
| Securities available for sale | 24,858,000 | 20,922,000 | 28,914,000 | 31,193,000 |
| Securities held to maturity | 12,861,000 | 7,916,000 | 4,960,000 | 1,982,000 |
| Trading assets | 7,000 | 5,000 | 17,000 | 0 |
| Total deposits | 257,144,000 | 248,250,000 | 253,000,000 | 252,132,000 |
| Interest-bearing deposits | 200,751,000 | 194,011,000 | 195,846,000 | 195,872,000 |
| Noninterest-bearing deposits | 56,393,000 | 54,239,000 | 57,154,000 | 56,260,000 |
| Equity capital | 29,273,000 | 28,295,000 | 28,722,000 | 29,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,472,000 | 6,970,000 | 10,590,000 | 14,246,000 |
| Interest expense | 785,000 | 1,575,000 | 2,377,000 | 3,159,000 |
| Net interest income | 2,687,000 | 5,395,000 | 8,213,000 | 11,087,000 |
| Noninterest income | 627,000 | 1,147,000 | 1,493,000 | 1,833,000 |
| Noninterest expense | 2,667,000 | 7,260,000 | 9,881,000 | 12,736,000 |
| Provision for loan losses | -33,000 | -69,000 | -104,000 | -79,000 |
| Pretax income | 609,000 | -648,000 | -122,000 | 255,000 |
| Income tax | 105,000 | -182,000 | -95,000 | -37,000 |
| Net income | 504,000 | -466,000 | -27,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,493,000 | 28,218,000 | 28,656,000 | 28,974,000 |
| Total capital | 29,527,000 | 30,326,000 | 30,814,000 | 31,197,000 |
| Risk-weighted assets | 162,449,000 | 168,576,000 | 172,565,000 | 177,968,000 |