Call reports 2019
BRATTLEBORO SAVINGS & LOAN ASSOCIATION — 2019
What BRATTLEBORO SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 204,297,000 | 210,111,000 | 219,211,000 | 216,555,000 |
| Total loans | 183,598,000 | 185,190,000 | 183,250,000 | 186,424,000 |
| Allowance for loan losses | 1,624,000 | 1,690,000 | 1,644,000 | 1,590,000 |
| Securities available for sale | 352,000 | 327,000 | 300,000 | 268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 21,000 | 10,000 | 10,000 | 4,000 |
| Total deposits | 174,108,000 | 174,884,000 | 184,784,000 | 182,264,000 |
| Interest-bearing deposits | 145,771,000 | 146,954,000 | 154,480,000 | 151,070,000 |
| Noninterest-bearing deposits | 28,337,000 | 27,930,000 | 30,304,000 | 31,194,000 |
| Equity capital | 18,190,000 | 18,476,000 | 18,787,000 | 19,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,086,000 | 4,291,000 | 6,486,000 | 8,673,000 |
| Interest expense | 362,000 | 786,000 | 1,262,000 | 1,731,000 |
| Net interest income | 1,724,000 | 3,505,000 | 5,224,000 | 6,942,000 |
| Noninterest income | 516,000 | 1,109,000 | 1,703,000 | 2,294,000 |
| Noninterest expense | 2,017,000 | 3,990,000 | 5,984,000 | 7,894,000 |
| Provision for loan losses | 83,000 | 148,000 | 103,000 | 103,000 |
| Pretax income | 140,000 | 476,000 | 840,000 | 1,239,000 |
| Income tax | 8,000 | 58,000 | 113,000 | 182,000 |
| Net income | 132,000 | 418,000 | 727,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,311,000 | 16,604,000 | 16,923,000 | 17,258,000 |
| Total capital | 17,951,000 | 18,313,000 | 18,590,000 | 18,865,000 |
| Risk-weighted assets | 153,327,000 | 155,044,000 | 153,003,000 | 150,753,000 |