Call reports 2015
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2015
What VERSAILLES SAVINGS AND LOAN COMPANY, THE 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 | 53,312,000 | 53,484,000 | 53,045,000 | 54,985,000 |
| Total loans | 41,775,000 | 42,283,000 | 42,146,000 | 41,542,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 300,000 | 284,000 | 263,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,343,000 | 35,213,000 | 34,659,000 | 36,613,000 |
| Interest-bearing deposits | 35,003,000 | 34,779,000 | 34,264,000 | 35,768,000 |
| Noninterest-bearing deposits | 340,000 | 434,000 | 395,000 | 845,000 |
| Equity capital | 10,334,000 | 10,070,000 | 10,142,000 | 10,190,000 |
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 | 479,000 | 954,000 | 1,435,000 | 1,912,000 |
| Interest expense | 60,000 | 126,000 | 190,000 | 254,000 |
| Net interest income | 419,000 | 828,000 | 1,245,000 | 1,658,000 |
| Noninterest income | 2,000 | 5,000 | 8,000 | 11,000 |
| Noninterest expense | 305,000 | 608,000 | 928,000 | 1,283,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 225,000 | 325,000 | 386,000 |
| Income tax | 40,000 | 78,000 | 114,000 | 135,000 |
| Net income | 76,000 | 147,000 | 211,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,660,000 | 10,738,000 | 10,810,000 | 10,858,000 |
| Total capital | 10,915,000 | 10,993,000 | 11,065,000 | 11,113,000 |
| Risk-weighted assets | 31,394,000 | 32,404,000 | 31,248,000 | 31,818,000 |