Call reports 2012
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2012
What VERSAILLES SAVINGS AND LOAN COMPANY, THE 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 | 45,677,000 | 45,064,000 | 45,523,000 | 47,577,000 |
| Total loans | 35,893,000 | 35,745,000 | 35,197,000 | 36,644,000 |
| Allowance for loan losses | 269,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 698,000 | 697,000 | 702,000 | 696,000 |
| Securities held to maturity | 575,000 | 544,000 | 514,000 | 491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,799,000 | 28,926,000 | 29,232,000 | 31,171,000 |
| Interest-bearing deposits | 28,748,000 | 28,856,000 | 29,166,000 | 31,006,000 |
| Noninterest-bearing deposits | 51,000 | 70,000 | 66,000 | 165,000 |
| Equity capital | 9,573,000 | 9,421,000 | 9,476,000 | 9,553,000 |
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 | 476,000 | 939,000 | 1,388,000 | 1,829,000 |
| Interest expense | 104,000 | 202,000 | 292,000 | 376,000 |
| Net interest income | 372,000 | 737,000 | 1,096,000 | 1,453,000 |
| Noninterest income | 1,000 | 2,000 | 3,000 | 64,000 |
| Noninterest expense | 256,000 | 531,000 | 822,000 | 1,124,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 19,000 |
| Pretax income | 98,000 | 189,000 | 258,000 | 374,000 |
| Income tax | 33,000 | 64,000 | 87,000 | 127,000 |
| Net income | 65,000 | 125,000 | 171,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,896,000 | 9,961,000 | 10,012,000 | 10,093,000 |
| Total capital | 10,167,000 | 10,217,000 | 10,271,000 | 10,349,000 |
| Risk-weighted assets | 26,805,000 | 26,765,000 | 26,863,000 | 28,045,000 |