Call reports 2012
BANK OF VERSAILLES — 2012
What BANK OF VERSAILLES reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 255,276,000 | 242,410,000 | 226,582,000 | 229,339,000 |
| Total loans | 199,180,000 | 187,098,000 | 182,047,000 | 172,285,000 |
| Allowance for loan losses | 10,580,000 | 8,786,000 | 9,317,000 | 8,783,000 |
| Securities available for sale | 27,467,000 | 20,916,000 | 19,961,000 | 21,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,339,000 | 215,802,000 | 200,115,000 | 204,169,000 |
| Interest-bearing deposits | 208,798,000 | 194,053,000 | 179,508,000 | 184,501,000 |
| Noninterest-bearing deposits | 20,541,000 | 21,749,000 | 20,607,000 | 19,668,000 |
| Equity capital | 20,598,000 | 21,241,000 | 21,044,000 | 19,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,614,000 | 5,132,000 | 7,435,000 | 9,696,000 |
| Interest expense | 450,000 | 832,000 | 1,141,000 | 1,418,000 |
| Net interest income | 2,164,000 | 4,300,000 | 6,294,000 | 8,278,000 |
| Noninterest income | 90,000 | 130,000 | 203,000 | 307,000 |
| Noninterest expense | 1,809,000 | 3,403,000 | 5,103,000 | 6,639,000 |
| Provision for loan losses | 500,000 | 1,375,000 | 2,050,000 | 3,735,000 |
| Pretax income | 149,000 | 79,000 | -229,000 | -1,362,000 |
| Income tax | 57,000 | 24,000 | -19,000 | -19,000 |
| Net income | 92,000 | 55,000 | -210,000 | -1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,628,000 | 21,194,000 | 20,929,000 | 19,796,000 |
| Total capital | 22,758,000 | 23,223,000 | 22,910,000 | 21,723,000 |
| Risk-weighted assets | 161,965,000 | 155,597,000 | 151,113,000 | 147,327,000 |