Call reports 2016
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2016
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 173,252,000 | 175,093,000 | 177,210,000 | 179,394,000 |
| Total loans | 154,537,000 | 155,618,000 | 156,052,000 | 160,156,000 |
| Allowance for loan losses | 1,679,000 | 1,696,000 | 1,708,000 | 1,520,000 |
| Securities available for sale | 929,000 | 859,000 | 753,000 | 700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,411,000 | 140,625,000 | 144,052,000 | 151,210,000 |
| Interest-bearing deposits | 117,167,000 | 120,193,000 | 122,935,000 | 128,801,000 |
| Noninterest-bearing deposits | 20,244,000 | 20,432,000 | 21,117,000 | 22,409,000 |
| Equity capital | 15,747,000 | 16,010,000 | 16,128,000 | 16,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,591,000 | 3,210,000 | 4,842,000 | 6,447,000 |
| Interest expense | 261,000 | 537,000 | 824,000 | 1,110,000 |
| Net interest income | 1,330,000 | 2,673,000 | 4,018,000 | 5,337,000 |
| Noninterest income | 393,000 | 941,000 | 1,281,000 | 1,612,000 |
| Noninterest expense | 1,591,000 | 3,118,000 | 4,648,000 | 6,227,000 |
| Provision for loan losses | 52,000 | 50,000 | 62,000 | -3,000 |
| Pretax income | 80,000 | 446,000 | 589,000 | 725,000 |
| Income tax | 3,000 | 103,000 | 126,000 | 149,000 |
| Net income | 77,000 | 343,000 | 463,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,669,000 | 15,936,000 | 16,092,000 | 16,159,000 |
| Total capital | 17,302,000 | 17,578,000 | 17,728,000 | 17,706,000 |
| Risk-weighted assets | 130,473,000 | 131,251,000 | 130,804,000 | 132,938,000 |