Call reports 2015
BANK OF VERSAILLES — 2015
What BANK OF VERSAILLES reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 220,387,000 | 231,192,000 | 228,902,000 | 239,232,000 |
| Total loans | 183,442,000 | 186,395,000 | 191,955,000 | 196,737,000 |
| Allowance for loan losses | 3,656,000 | 3,614,000 | 3,664,000 | 3,665,000 |
| Securities available for sale | 10,704,000 | 8,463,000 | 8,879,000 | 5,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,792,000 | 190,359,000 | 187,532,000 | 197,646,000 |
| Interest-bearing deposits | 157,725,000 | 164,941,000 | 164,238,000 | 172,784,000 |
| Noninterest-bearing deposits | 22,067,000 | 25,418,000 | 23,294,000 | 24,862,000 |
| Equity capital | 27,190,000 | 27,526,000 | 27,984,000 | 28,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,993,000 | 3,999,000 | 6,067,000 | 8,184,000 |
| Interest expense | 197,000 | 397,000 | 598,000 | 802,000 |
| Net interest income | 1,796,000 | 3,602,000 | 5,469,000 | 7,382,000 |
| Noninterest income | -30,000 | -125,000 | -140,000 | -150,000 |
| Noninterest expense | 1,372,000 | 2,674,000 | 4,063,000 | 5,410,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 394,000 | 803,000 | 1,272,000 | 1,828,000 |
| Income tax | 79,000 | 121,000 | 154,000 | 189,000 |
| Net income | 315,000 | 682,000 | 1,118,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,143,000 | 27,509,000 | 27,947,000 | 28,206,000 |
| Total capital | 28,913,000 | 29,286,000 | 29,751,000 | 30,040,000 |
| Risk-weighted assets | 139,723,000 | 140,297,000 | 142,474,000 | 144,925,000 |