Call reports 2007
BANK OF VERSAILLES — 2007
What BANK OF VERSAILLES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 292,005,000 | 291,301,000 | 290,963,000 | 301,359,000 |
| Total loans | 235,737,000 | 237,816,000 | 239,769,000 | 246,882,000 |
| Allowance for loan losses | 1,450,000 | 1,485,000 | 1,532,000 | 1,575,000 |
| Securities available for sale | 23,776,000 | 22,732,000 | 23,892,000 | 30,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,689,000 | 218,547,000 | 217,263,000 | 222,695,000 |
| Interest-bearing deposits | 180,671,000 | 179,883,000 | 176,995,000 | 186,172,000 |
| Noninterest-bearing deposits | 36,018,000 | 38,663,000 | 40,268,000 | 36,523,000 |
| Equity capital | 32,682,000 | 33,530,000 | 34,300,000 | 34,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,607,000 | 9,361,000 | 14,116,000 | 18,979,000 |
| Interest expense | 2,349,000 | 4,643,000 | 6,991,000 | 9,334,000 |
| Net interest income | 2,258,000 | 4,718,000 | 7,125,000 | 9,645,000 |
| Noninterest income | 180,000 | 399,000 | 592,000 | 837,000 |
| Noninterest expense | 1,109,000 | 1,943,000 | 2,930,000 | 4,769,000 |
| Provision for loan losses | 20,000 | 80,000 | 210,000 | 270,000 |
| Pretax income | 1,309,000 | 3,094,000 | 4,577,000 | 5,443,000 |
| Income tax | 326,000 | 845,000 | 1,675,000 | 2,085,000 |
| Net income | 983,000 | 2,249,000 | 2,902,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,692,000 | 33,622,000 | 34,274,000 | 34,395,000 |
| Total capital | 34,142,000 | 35,107,000 | 35,806,000 | 35,970,000 |
| Risk-weighted assets | 184,029,000 | 185,596,000 | 187,394,000 | 197,712,000 |