Call reports 2014
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2014
What VERSAILLES SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 52,076,000 | 52,502,000 | 50,733,000 | 50,817,000 |
| Total loans | 39,399,000 | 40,247,000 | 41,826,000 | 41,998,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 384,000 | 351,000 | 335,000 | 313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,409,000 | 34,742,000 | 34,845,000 | 34,829,000 |
| Interest-bearing deposits | 34,029,000 | 34,439,000 | 34,506,000 | 34,570,000 |
| Noninterest-bearing deposits | 380,000 | 303,000 | 339,000 | 259,000 |
| Equity capital | 9,934,000 | 10,063,000 | 10,158,000 | 10,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 919,000 | 1,395,000 | 1,874,000 |
| Interest expense | 73,000 | 137,000 | 197,000 | 252,000 |
| Net interest income | 387,000 | 782,000 | 1,198,000 | 1,622,000 |
| Noninterest income | 2,000 | 4,000 | 7,000 | 9,000 |
| Noninterest expense | 326,000 | 660,000 | 945,000 | 1,240,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 50,000 | 113,000 | 247,000 | 378,000 |
| Income tax | 18,000 | 40,000 | 86,000 | 131,000 |
| Net income | 32,000 | 73,000 | 161,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,341,000 | 10,389,000 | 10,484,000 | 10,577,000 |
| Total capital | 10,596,000 | 10,644,000 | 10,739,000 | 10,832,000 |
| Risk-weighted assets | 30,630,000 | 30,754,000 | 31,553,000 | 31,387,000 |