Call reports 2012
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2012
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,882,000 | 179,179,000 | 179,814,000 | 183,626,000 |
| Total loans | 156,347,000 | 158,288,000 | 158,434,000 | 159,343,000 |
| Allowance for loan losses | 1,816,000 | 1,855,000 | 1,847,000 | 1,851,000 |
| Securities available for sale | 6,027,000 | 5,616,000 | 5,359,000 | 4,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,126,000 | 146,282,000 | 142,718,000 | 147,694,000 |
| Interest-bearing deposits | 131,394,000 | 127,806,000 | 124,264,000 | 128,113,000 |
| Noninterest-bearing deposits | 17,732,000 | 18,476,000 | 18,454,000 | 19,581,000 |
| Equity capital | 13,839,000 | 14,014,000 | 14,197,000 | 14,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,747,000 | 5,599,000 | 7,438,000 |
| Interest expense | 435,000 | 843,000 | 1,221,000 | 1,578,000 |
| Net interest income | 1,422,000 | 2,904,000 | 4,378,000 | 5,860,000 |
| Noninterest income | 222,000 | 493,000 | 786,000 | 1,124,000 |
| Noninterest expense | 1,531,000 | 3,013,000 | 4,514,000 | 5,993,000 |
| Provision for loan losses | 107,000 | 135,000 | 182,000 | 327,000 |
| Pretax income | 6,000 | 249,000 | 468,000 | 664,000 |
| Income tax | -21,000 | 33,000 | 80,000 | 109,000 |
| Net income | 27,000 | 216,000 | 388,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,662,000 | 13,852,000 | 14,025,000 | 14,191,000 |
| Total capital | 15,317,000 | 15,501,000 | 15,681,000 | 15,845,000 |
| Risk-weighted assets | 132,253,000 | 131,950,000 | 131,548,000 | 132,145,000 |