Call reports 2011
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2011
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 183,477,000 | 186,590,000 | 185,981,000 | 182,968,000 |
| Total loans | 152,851,000 | 152,465,000 | 154,241,000 | 154,012,000 |
| Allowance for loan losses | 1,762,000 | 1,746,000 | 1,769,000 | 1,796,000 |
| Securities available for sale | 6,024,000 | 8,156,000 | 6,973,000 | 6,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,001,000 | 153,975,000 | 153,238,000 | 150,286,000 |
| Interest-bearing deposits | 134,915,000 | 136,783,000 | 135,865,000 | 131,825,000 |
| Noninterest-bearing deposits | 16,086,000 | 17,192,000 | 17,373,000 | 18,461,000 |
| Equity capital | 13,600,000 | 13,720,000 | 13,824,000 | 13,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,967,000 | 3,920,000 | 5,861,000 | 7,819,000 |
| Interest expense | 601,000 | 1,154,000 | 1,664,000 | 2,138,000 |
| Net interest income | 1,366,000 | 2,766,000 | 4,197,000 | 5,681,000 |
| Noninterest income | 289,000 | 559,000 | 898,000 | 1,223,000 |
| Noninterest expense | 1,521,000 | 3,077,000 | 4,676,000 | 6,341,000 |
| Provision for loan losses | 38,000 | 72,000 | 130,000 | 292,000 |
| Pretax income | 96,000 | 176,000 | 289,000 | 271,000 |
| Income tax | 24,000 | 42,000 | 71,000 | 57,000 |
| Net income | 72,000 | 134,000 | 218,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,495,000 | 13,556,000 | 13,640,000 | 13,636,000 |
| Total capital | 15,123,000 | 15,214,000 | 15,280,000 | 15,282,000 |
| Risk-weighted assets | 130,127,000 | 132,527,000 | 131,059,000 | 131,505,000 |