Call reports 2015
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2015
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,013,000 | 165,885,000 | 162,913,000 | 169,546,000 |
| Total loans | 147,701,000 | 147,103,000 | 147,681,000 | 151,000,000 |
| Allowance for loan losses | 1,597,000 | 1,614,000 | 1,660,000 | 1,628,000 |
| Securities available for sale | 1,341,000 | 1,248,000 | 1,057,000 | 967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,319,000 | 131,197,000 | 129,340,000 | 135,304,000 |
| Interest-bearing deposits | 110,971,000 | 111,046,000 | 108,608,000 | 113,623,000 |
| Noninterest-bearing deposits | 19,348,000 | 20,151,000 | 20,732,000 | 21,681,000 |
| Equity capital | 15,451,000 | 15,499,000 | 15,600,000 | 15,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,070,000 | 4,644,000 | 6,231,000 |
| Interest expense | 258,000 | 501,000 | 746,000 | 994,000 |
| Net interest income | 1,293,000 | 2,569,000 | 3,898,000 | 5,237,000 |
| Noninterest income | 951,000 | 1,280,000 | 1,599,000 | 1,921,000 |
| Noninterest expense | 1,695,000 | 3,279,000 | 4,841,000 | 6,436,000 |
| Provision for loan losses | 54,000 | 98,000 | 128,000 | 187,000 |
| Pretax income | 495,000 | 472,000 | 528,000 | 535,000 |
| Income tax | 102,000 | 28,000 | -19,000 | -87,000 |
| Net income | 393,000 | 444,000 | 547,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,424,000 | 15,475,000 | 15,579,000 | 15,653,000 |
| Total capital | 16,985,000 | 17,044,000 | 17,158,000 | 17,275,000 |
| Risk-weighted assets | 124,845,000 | 123,852,000 | 126,206,000 | 129,743,000 |