Call reports 2018
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2018
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 191,090,000 | 195,245,000 | 199,384,000 | 205,735,000 |
| Total loans | 166,683,000 | 168,649,000 | 178,336,000 | 179,383,000 |
| Allowance for loan losses | 1,520,000 | 1,523,000 | 1,573,000 | 1,584,000 |
| Securities available for sale | 479,000 | 446,000 | 405,000 | 374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 21,000 | 23,000 | 5,000 |
| Total deposits | 163,480,000 | 168,092,000 | 171,105,000 | 177,224,000 |
| Interest-bearing deposits | 138,127,000 | 143,020,000 | 143,085,000 | 148,280,000 |
| Noninterest-bearing deposits | 25,353,000 | 25,072,000 | 28,020,000 | 28,944,000 |
| Equity capital | 17,169,000 | 17,451,000 | 17,749,000 | 18,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,788,000 | 3,665,000 | 5,652,000 | 7,712,000 |
| Interest expense | 239,000 | 518,000 | 833,000 | 1,192,000 |
| Net interest income | 1,549,000 | 3,147,000 | 4,819,000 | 6,520,000 |
| Noninterest income | 506,000 | 1,086,000 | 1,655,000 | 2,199,000 |
| Noninterest expense | 1,818,000 | 3,649,000 | 5,486,000 | 7,355,000 |
| Provision for loan losses | 21,000 | 39,000 | 88,000 | 106,000 |
| Pretax income | 216,000 | 545,000 | 900,000 | 1,258,000 |
| Income tax | 23,000 | 70,000 | 126,000 | 177,000 |
| Net income | 193,000 | 475,000 | 774,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,371,000 | 15,701,000 | 16,043,000 | 16,182,000 |
| Total capital | 16,910,000 | 17,250,000 | 17,641,000 | 17,789,000 |
| Risk-weighted assets | 139,081,000 | 140,536,000 | 148,289,000 | 150,174,000 |