Call reports 2013
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2013
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 174,282,000 | 177,845,000 | 175,428,000 | 178,758,000 |
| Total loans | 156,104,000 | 157,247,000 | 156,784,000 | 156,417,000 |
| Allowance for loan losses | 1,862,000 | 1,884,000 | 1,874,000 | 1,915,000 |
| Securities available for sale | 4,320,000 | 3,870,000 | 2,622,000 | 1,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,761,000 | 141,196,000 | 140,584,000 | 144,012,000 |
| Interest-bearing deposits | 121,083,000 | 121,976,000 | 119,366,000 | 120,412,000 |
| Noninterest-bearing deposits | 18,678,000 | 19,220,000 | 21,218,000 | 23,600,000 |
| Equity capital | 14,416,000 | 14,492,000 | 14,555,000 | 14,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,487,000 | 5,189,000 | 6,850,000 |
| Interest expense | 322,000 | 644,000 | 967,000 | 1,274,000 |
| Net interest income | 1,434,000 | 2,843,000 | 4,222,000 | 5,576,000 |
| Noninterest income | 231,000 | 527,000 | 771,000 | 1,025,000 |
| Noninterest expense | 1,502,000 | 3,024,000 | 4,537,000 | 6,092,000 |
| Provision for loan losses | 64,000 | 104,000 | 134,000 | 174,000 |
| Pretax income | 99,000 | 242,000 | 350,000 | 363,000 |
| Income tax | 8,000 | 34,000 | 25,000 | -14,000 |
| Net income | 91,000 | 208,000 | 325,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,282,000 | 14,398,000 | 14,516,000 | 14,303,000 |
| Total capital | 15,899,000 | 16,020,000 | 16,141,000 | 15,916,000 |
| Risk-weighted assets | 129,070,000 | 129,502,000 | 129,700,000 | 128,724,000 |