Call reports 2008
BANK OF VERSAILLES — 2008
What BANK OF VERSAILLES reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 307,431,000 | 313,754,000 | 318,551,000 | 332,158,000 |
| Total loans | 254,803,000 | 258,719,000 | 267,124,000 | 271,107,000 |
| Allowance for loan losses | 1,608,000 | 1,568,000 | 1,531,000 | 2,131,000 |
| Securities available for sale | 26,346,000 | 27,343,000 | 28,182,000 | 28,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,052,000 | 215,683,000 | 215,931,000 | 225,043,000 |
| Interest-bearing deposits | 178,838,000 | 176,421,000 | 178,122,000 | 201,746,000 |
| Noninterest-bearing deposits | 33,214,000 | 39,262,000 | 37,809,000 | 23,297,000 |
| Equity capital | 34,943,000 | 34,807,000 | 35,781,000 | 36,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,842,000 | 9,431,000 | 14,080,000 | 18,727,000 |
| Interest expense | 2,271,000 | 4,430,000 | 6,480,000 | 8,616,000 |
| Net interest income | 2,571,000 | 5,001,000 | 7,600,000 | 10,111,000 |
| Noninterest income | 119,000 | 266,000 | 451,000 | 592,000 |
| Noninterest expense | 1,169,000 | 2,382,000 | 3,546,000 | 4,789,000 |
| Provision for loan losses | 60,000 | 80,000 | 80,000 | 700,000 |
| Pretax income | 1,461,000 | 2,805,000 | 4,425,000 | 5,214,000 |
| Income tax | 200,000 | 1,090,000 | 1,760,000 | 2,164,000 |
| Net income | 1,261,000 | 1,715,000 | 2,665,000 | 3,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,655,000 | 34,774,000 | 35,723,000 | 35,771,000 |
| Total capital | 36,263,000 | 36,342,000 | 37,253,000 | 37,902,000 |
| Risk-weighted assets | 196,823,000 | 198,759,000 | 204,312,000 | 209,069,000 |