Call reports 2004
BANK OF VERSAILLES — 2004
What BANK OF VERSAILLES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 260,599,000 | 266,895,000 | 261,786,000 | 259,872,000 |
| Total loans | 209,364,000 | 211,141,000 | 210,750,000 | 215,519,000 |
| Allowance for loan losses | 1,317,000 | 1,317,000 | 1,312,000 | 1,311,000 |
| Securities available for sale | 31,764,000 | 31,659,000 | 28,818,000 | 26,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,506,000 | 191,716,000 | 186,010,000 | 184,066,000 |
| Interest-bearing deposits | 166,404,000 | 169,350,000 | 164,315,000 | 164,099,000 |
| Noninterest-bearing deposits | 20,101,000 | 22,366,000 | 21,695,000 | 19,967,000 |
| Equity capital | 26,294,000 | 26,569,000 | 27,019,000 | 27,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,336,000 | 6,699,000 | 10,042,000 | 13,416,000 |
| Interest expense | 1,401,000 | 2,798,000 | 4,199,000 | 5,604,000 |
| Net interest income | 1,935,000 | 3,901,000 | 5,843,000 | 7,812,000 |
| Noninterest income | 148,000 | 301,000 | 435,000 | 609,000 |
| Noninterest expense | 879,000 | 1,589,000 | 2,498,000 | 3,920,000 |
| Provision for loan losses | 0 | 0 | 450,000 | 450,000 |
| Pretax income | 1,204,000 | 2,613,000 | 3,330,000 | 4,051,000 |
| Income tax | 123,000 | 678,000 | 1,044,000 | 1,245,000 |
| Net income | 1,081,000 | 1,935,000 | 2,286,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,033,000 | 26,622,000 | 26,974,000 | 27,229,000 |
| Total capital | 27,350,000 | 27,939,000 | 28,287,000 | 28,540,000 |
| Risk-weighted assets | 143,858,000 | 146,903,000 | 146,226,000 | 150,511,000 |