Call reports 2013
BANK OF VERSAILLES — 2013
What BANK OF VERSAILLES reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 214,832,000 | 214,380,000 | 221,525,000 | 228,190,000 |
| Total loans | 171,563,000 | 168,444,000 | 172,870,000 | 178,863,000 |
| Allowance for loan losses | 8,877,000 | 8,745,000 | 8,674,000 | 8,652,000 |
| Securities available for sale | 14,389,000 | 16,532,000 | 18,351,000 | 24,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,235,000 | 189,985,000 | 194,249,000 | 200,509,000 |
| Interest-bearing deposits | 174,251,000 | 168,085,000 | 170,468,000 | 180,585,000 |
| Noninterest-bearing deposits | 20,984,000 | 21,900,000 | 23,781,000 | 19,924,000 |
| Equity capital | 19,282,000 | 19,034,000 | 19,914,000 | 20,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,128,000 | 4,179,000 | 6,229,000 | 8,293,000 |
| Interest expense | 476,000 | 667,000 | 850,000 | 1,052,000 |
| Net interest income | 1,652,000 | 3,512,000 | 5,379,000 | 7,241,000 |
| Noninterest income | -283,000 | -442,000 | -374,000 | -309,000 |
| Noninterest expense | 1,573,000 | 3,168,000 | 4,671,000 | 6,151,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | -604,000 | -439,000 | -7,000 | 440,000 |
| Income tax | 10,000 | 174,000 | 295,000 | 79,000 |
| Net income | -614,000 | -613,000 | -302,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,182,000 | 19,183,000 | 20,253,000 | 20,917,000 |
| Total capital | 21,051,000 | 20,987,000 | 22,080,000 | 22,771,000 |
| Risk-weighted assets | 142,508,000 | 137,373,000 | 139,293,000 | 141,529,000 |