Call reports 2005
BANK OF VERSAILLES — 2005
What BANK OF VERSAILLES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 261,544,000 | 264,346,000 | 263,175,000 | 268,291,000 |
| Total loans | 218,267,000 | 217,792,000 | 217,962,000 | 222,402,000 |
| Allowance for loan losses | 1,307,000 | 1,304,000 | 1,597,000 | 1,569,000 |
| Securities available for sale | 25,618,000 | 23,022,000 | 26,433,000 | 24,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,012,000 | 187,540,000 | 190,637,000 | 186,701,000 |
| Interest-bearing deposits | 163,267,000 | 161,818,000 | 158,346,000 | 155,199,000 |
| Noninterest-bearing deposits | 21,744,000 | 25,722,000 | 32,291,000 | 31,502,000 |
| Equity capital | 27,906,000 | 28,408,000 | 29,001,000 | 29,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,419,000 | 6,965,000 | 10,533,000 | 14,114,000 |
| Interest expense | 1,420,000 | 2,964,000 | 4,557,000 | 6,230,000 |
| Net interest income | 1,999,000 | 4,001,000 | 5,976,000 | 7,884,000 |
| Noninterest income | 175,000 | 239,000 | 400,000 | 607,000 |
| Noninterest expense | 892,000 | 1,663,000 | 2,576,000 | 4,111,000 |
| Provision for loan losses | 100,000 | 100,000 | 400,000 | 400,000 |
| Pretax income | 1,182,000 | 2,477,000 | 3,400,000 | 3,980,000 |
| Income tax | 381,000 | 977,000 | 1,273,000 | 1,405,000 |
| Net income | 801,000 | 1,500,000 | 2,127,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,031,000 | 28,447,000 | 29,068,000 | 29,228,000 |
| Total capital | 29,338,000 | 29,751,000 | 30,665,000 | 30,797,000 |
| Risk-weighted assets | 156,006,000 | 153,906,000 | 156,463,000 | 159,715,000 |