The Brattleboro Savings and Loan Association in Brattleboro, Vermont (VT), NH



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Table of contents:
The Brattleboro Savings and Loan Association
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Entity Type
Change in Supervisory Agency
Change in Primary Regulatory Agency
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$182,968
Cash and due from depository institutions$13,110
Interest-bearing balances$10,696
Securities$6,393
Federal funds sold & reverse repurchase agreements$129
Net loans & leases$152,216
Loan loss allowance $1,796
Trading account assets$0
Bank premises and fixed assets$4,132
Other real estate owned$852
Goodwill and other intangibles$310
All other assets$5,826
Life insurance assets$182,968
Total liabilities and capital$169,157
Total liabilities$150,286
Total deposits$131,825
Interest-bearing deposits$150,286
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$17,500
Other borrowed funds $0
Subordinated debt $1,371
All other liabilities $13,811
Total equity capital$13,811
Total bank equity capital$13,811
Perpetual preferred stock$0
Common stock$0
Surplus$1,646
Undivided profits $12,165
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,635
Earning assets $300
Long-term assets (5+ years) $660
Average Assets, year-to-date $169,434
Average Assets, quarterly $50,288
Volatile liabilities $184,936
Insider loans $184,475
FHLB advances $131,505
Loans and leases held for sale $184,167
Unused loan commitments $1,676
Tier 1 (core) risk-based capital $1,676
Tier 2 risk-based capital $13,636
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,192
Derivatives$759
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,819
Total interest expense $2,138
Net interest income $5,681
Provision for loan and lease losses $292
Total noninterest income $1,223
Fiduciary activities $0
Service charges on deposit accounts $263
Trading account gains & fees $0
Additional noninterest income $960
Total noninterest expense $6,341
Salaries and employee benefits $2,811
Premises and equipment expense $607
Additional noninterest expense $2,923
Pre-tax net operating income $271
Securities gains (losses) $0
Applicable income taxes $57
Income before extraordinary items $214
Extraordinary gains - net $0
Net income attributable to bank $214
Net charge-offs $0
Cash dividends $214
Sale, conversion, retirement of capital stock, net $258
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 1.25%
Net interest margin 3.32%
Noninterest income to earning assets 0.71%
Noninterest expense to earning assets 3.70%
Net operating income to assets 0.12%
Return on assets (ROA) 0.12%
Pretax return on assets 0.15%
Return on equity (ROE) 1.56%
Retained earnings to average equity (YTD only) 1.56%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 113.18%
Efficiency ratio2.18%
Assets per employee$91,845
Cash dividends to net income (YTD only)4.16%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.17%
Noncurrent assets plus other real estate owned to assets 49.41%
Noncurrent loans to loans 2.45%
Net loans and leases to deposits2.36%
Net loans and leases to core deposits 101.28%
Equity capital to assets 103.19%
Core capital (leverage) ratio 7.55%
Tier 1 risk-based capital ratio 7.40%
Total risk-based capital ratio 10.37%
Memoranda
Average assets$12
Average earning assets$184,936
Average equity $13,698
Average loans $171,363
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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
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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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