Call reports 2009
BANK OF VERSAILLES — 2009
What BANK OF VERSAILLES reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 331,459,000 | 338,327,000 | 346,149,000 | 352,943,000 |
| Total loans | 275,274,000 | 276,848,000 | 275,408,000 | 267,263,000 |
| Allowance for loan losses | 2,211,000 | 2,349,000 | 2,810,000 | 6,453,000 |
| Securities available for sale | 29,425,000 | 33,236,000 | 42,266,000 | 43,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,392,000 | 242,118,000 | 249,310,000 | 277,854,000 |
| Interest-bearing deposits | 208,588,000 | 212,740,000 | 219,461,000 | 253,974,000 |
| Noninterest-bearing deposits | 22,803,000 | 29,378,000 | 29,849,000 | 23,880,000 |
| Equity capital | 36,872,000 | 36,942,000 | 37,554,000 | 31,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,306,000 | 8,850,000 | 13,331,000 | 16,930,000 |
| Interest expense | 2,060,000 | 4,031,000 | 5,833,000 | 7,509,000 |
| Net interest income | 2,246,000 | 4,819,000 | 7,498,000 | 9,421,000 |
| Noninterest income | 112,000 | 237,000 | 309,000 | -367,000 |
| Noninterest expense | 1,115,000 | 2,259,000 | 3,696,000 | 5,414,000 |
| Provision for loan losses | 150,000 | 387,000 | 989,000 | 10,328,000 |
| Pretax income | 1,093,000 | 2,410,000 | 3,122,000 | -6,688,000 |
| Income tax | 300,000 | 1,091,000 | 1,475,000 | -2,544,000 |
| Net income | 793,000 | 1,319,000 | 1,647,000 | -4,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,565,000 | 36,757,000 | 37,082,000 | 30,955,000 |
| Total capital | 38,776,000 | 39,105,000 | 39,592,000 | 37,408,000 |
| Risk-weighted assets | 213,814,000 | 218,354,000 | 221,869,000 | 222,995,000 |