The Brattleboro Savings and Loan Association in Brattleboro, Vermont (VT), NH
Overview, Financial Summary, Detailed Financial Reports, Branches


The Brattleboro Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28837
    Status: Active
    Federal Reserve ID: 580874
    Date Established: January 01, 1912
    WWW: http://www.rightreasons.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: Yes)
    OTS Docket #: 2460
    FDIC's unique #: 41671
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 09, 1962
    Last Structure Change Effective Date: July 30, 2009
    Last Structure Change Process Date: October 20, 2009
    Last Data Update: October 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 221 Main Street, Brattleboro, VT 5301
    County: Windham
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Entity Type
    Change in Supervisory Agency
    Change in Primary Regulatory Agency
    Name Change
  • Financial Summary
  • Total assets: $183.0 mil
    Equity capital: $13.8 mil
    Deposits held in domestic offices: $150.3 mil
    Return on assets (ROA): 0.12% ($0.2 mil)
    Quarterly return on assets: -0.01% (-$0.0 mil)
    Return on Equity (ROE): 1.56% ($0.2 mil)
    Quarterly return on equity: -0.12% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.15% ($274.5 mil)
    Quarterly Pretax return on assets: -0.04% (-$73.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $182,968Total assets
  • $13,110Cash and due from depository institutions
  • $10,696Interest-bearing balances
  • $6,393Securities
  • $129Federal funds sold & reverse repurchase agreements
  • $152,216Net loans & leases
  • $1,796Loan loss allowance
  • $0Trading account assets
  • $4,132Bank premises and fixed assets
  • $852Other real estate owned
  • $310Goodwill and other intangibles
  • $182,968Life insurance assets
  • $5,826All other assets
  • $169,157Total liabilities and capital
  • $150,286Total liabilities
  • $131,825Total deposits
  • $150,286Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,500Trading liabilities
  • $0Other borrowed funds
  • $1,371Subordinated debt
  • $13,811All other liabilities
  • $13,811Total equity capital
  • $13,811Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1,646Surplus
  • $12,165Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,635Income earned, not collected on loans
  • $300Earning assets
  • $660Long-term assets (5+ years)
  • $169,434Average Assets, year-to-date
  • $50,288Average Assets, quarterly
  • $184,936Volatile liabilities
  • $184,475Insider loans
  • $131,505FHLB advances
  • $184,167Loans and leases held for sale
  • $1,676Unused loan commitments
  • $1,676Tier 1 (core) risk-based capital
  • $13,636Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,192Restructured Loans and leases
  • $759Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,819Total interest income
  • $2,138Total interest expense
  • $5,681Net interest income
  • $292Provision for loan and lease losses
  • $1,223Total noninterest income
  • $0Fiduciary activities
  • $263Service charges on deposit accounts
  • $0Trading account gains & fees
  • $960Additional noninterest income
  • $6,341Total noninterest expense
  • $2,811Salaries and employee benefits
  • $607Premises and equipment expense
  • $2,923Additional noninterest expense
  • $271Pre-tax net operating income
  • $0Securities gains (losses)
  • $57Applicable income taxes
  • $214Income before extraordinary items
  • $0Extraordinary gains - net
  • $214Net income attributable to bank
  • $0Net charge-offs
  • $214Cash dividends
  • $258Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 1.56%Return on equity (ROE)
  • 1.56%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 113.18%Credit loss provision to net charge-offs
  • 2.18%Efficiency ratio
  • 91,845Assets per employee
  • 4.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 49.41%Noncurrent assets plus other real estate owned to assets
  • 2.45%Noncurrent loans to loans
  • 2.36%Net loans and leases to deposits
  • 101.28%Net loans and leases to core deposits
  • 103.19%Equity capital to assets
  • 7.55%Core capital (leverage) ratio
  • 7.40%Tier 1 risk-based capital ratio
  • 10.37%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $184,936Average earning assets
  • $13,698Average equity
  • $171,363Average loans

List of branches

  • 1 New Hampshire Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3499494West Chesterfield Nh BranchFranklin Pierce Highway, West Chesterfield, NH 3466December 01, 2009Full Service Brick and Mortar
  • 2 Vermont Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041671The Brattleboro Savings And Loan Ass221 Main Street, Brattleboro, VT 5301January 01, 1912Full Service Brick and Mortar
    143212Springfield Branch85 Main Street, Springfield, VT 5156January 01, 1910Full Service Brick and Mortar

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