Call reports 2017
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2017
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 185,238,000 | 185,250,000 | 183,730,000 | 185,052,000 |
| Total loans | 161,342,000 | 160,633,000 | 162,701,000 | 163,840,000 |
| Allowance for loan losses | 1,547,000 | 1,592,000 | 1,610,000 | 1,498,000 |
| Securities available for sale | 652,000 | 603,000 | 561,000 | 518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,000 | 7,000 | 7,000 | 3,000 |
| Total deposits | 152,730,000 | 152,921,000 | 154,079,000 | 156,459,000 |
| Interest-bearing deposits | 131,181,000 | 130,874,000 | 131,873,000 | 133,123,000 |
| Noninterest-bearing deposits | 21,549,000 | 22,047,000 | 22,206,000 | 23,336,000 |
| Equity capital | 16,356,000 | 16,659,000 | 16,911,000 | 16,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,659,000 | 3,390,000 | 5,134,000 | 6,917,000 |
| Interest expense | 253,000 | 517,000 | 760,000 | 984,000 |
| Net interest income | 1,406,000 | 2,873,000 | 4,374,000 | 5,933,000 |
| Noninterest income | 483,000 | 979,000 | 1,473,000 | 1,970,000 |
| Noninterest expense | 1,714,000 | 3,447,000 | 5,110,000 | 6,978,000 |
| Provision for loan losses | 29,000 | -163,000 | -175,000 | -232,000 |
| Pretax income | 146,000 | 568,000 | 912,000 | 1,157,000 |
| Income tax | 25,000 | 144,000 | 236,000 | 410,000 |
| Net income | 121,000 | 424,000 | 676,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,405,000 | 14,756,000 | 15,023,000 | 15,144,000 |
| Total capital | 15,968,000 | 16,363,000 | 16,657,000 | 16,662,000 |
| Risk-weighted assets | 134,567,000 | 134,677,000 | 136,102,000 | 136,970,000 |