Call reports 2003
BANK OF VERSAILLES — 2003
What BANK OF VERSAILLES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 249,451,000 | 246,756,000 | 249,279,000 | 248,691,000 |
| Total loans | 199,092,000 | 200,994,000 | 203,176,000 | 205,479,000 |
| Allowance for loan losses | 1,387,000 | 1,376,000 | 1,364,000 | 1,325,000 |
| Securities available for sale | 26,819,000 | 22,165,000 | 19,854,000 | 28,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,663,000 | 175,712,000 | 177,714,000 | 179,620,000 |
| Interest-bearing deposits | 162,807,000 | 159,303,000 | 159,032,000 | 160,186,000 |
| Noninterest-bearing deposits | 13,856,000 | 16,409,000 | 18,682,000 | 19,434,000 |
| Equity capital | 23,951,000 | 24,477,000 | 25,128,000 | 25,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,354,000 | 6,632,000 | 9,918,000 | 13,220,000 |
| Interest expense | 1,583,000 | 3,077,000 | 4,554,000 | 5,977,000 |
| Net interest income | 1,771,000 | 3,555,000 | 5,364,000 | 7,243,000 |
| Noninterest income | 153,000 | 290,000 | 477,000 | 595,000 |
| Noninterest expense | 783,000 | 1,436,000 | 2,239,000 | 3,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,141,000 | 2,409,000 | 3,602,000 | 4,247,000 |
| Income tax | 200,000 | 601,000 | 1,065,000 | 1,466,000 |
| Net income | 941,000 | 1,808,000 | 2,537,000 | 2,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,616,000 | 24,244,000 | 24,971,000 | 24,952,000 |
| Total capital | 25,003,000 | 25,620,000 | 26,335,000 | 26,277,000 |
| Risk-weighted assets | 132,894,000 | 134,929,000 | 135,493,000 | 139,598,000 |