Call reports 2013
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2013
What VERSAILLES SAVINGS AND LOAN COMPANY, THE 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 | 48,870,000 | 48,444,000 | 48,661,000 | 51,114,000 |
| Total loans | 36,207,000 | 37,026,000 | 38,789,000 | 39,349,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 694,000 | 683,000 | 684,000 | 680,000 |
| Securities held to maturity | 467,000 | 446,000 | 418,000 | 399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,271,000 | 32,047,000 | 32,127,000 | 32,565,000 |
| Interest-bearing deposits | 32,116,000 | 31,857,000 | 31,957,000 | 32,176,000 |
| Noninterest-bearing deposits | 155,000 | 190,000 | 170,000 | 389,000 |
| Equity capital | 9,596,000 | 9,777,000 | 9,836,000 | 9,886,000 |
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 | 444,000 | 882,000 | 1,327,000 | 1,788,000 |
| Interest expense | 79,000 | 158,000 | 234,000 | 310,000 |
| Net interest income | 365,000 | 724,000 | 1,093,000 | 1,478,000 |
| Noninterest income | 2,000 | 3,000 | 5,000 | 7,000 |
| Noninterest expense | 308,000 | 597,000 | 887,000 | 1,203,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 130,000 | 211,000 | 282,000 |
| Income tax | 20,000 | 44,000 | 72,000 | 97,000 |
| Net income | 39,000 | 86,000 | 139,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,137,000 | 10,184,000 | 10,243,000 | 10,293,000 |
| Total capital | 10,392,000 | 10,439,000 | 10,498,000 | 10,548,000 |
| Risk-weighted assets | 28,380,000 | 28,782,000 | 29,570,000 | 30,408,000 |