Call reports 2016
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2016
What VERSAILLES SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 55,904,000 | 54,165,000 | 57,490,000 | 57,472,000 |
| Total loans | 41,468,000 | 41,783,000 | 42,141,000 | 41,208,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 226,000 | 216,000 | 198,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,272,000 | 36,562,000 | 40,378,000 | 40,279,000 |
| Interest-bearing deposits | 37,563,000 | 34,986,000 | 39,035,000 | 39,260,000 |
| Noninterest-bearing deposits | 709,000 | 1,576,000 | 1,343,000 | 1,019,000 |
| Equity capital | 9,708,000 | 10,069,000 | 10,145,000 | 10,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 948,000 | 1,428,000 | 1,911,000 |
| Interest expense | 64,000 | 127,000 | 194,000 | 264,000 |
| Net interest income | 410,000 | 821,000 | 1,234,000 | 1,647,000 |
| Noninterest income | 3,000 | 7,000 | -48,000 | -44,000 |
| Noninterest expense | 349,000 | 681,000 | 1,494,000 | 1,794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 147,000 | -308,000 | -191,000 |
| Income tax | 23,000 | 52,000 | -102,000 | -60,000 |
| Net income | 41,000 | 95,000 | -206,000 | -131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,376,000 | 10,438,000 | 10,145,000 | 10,229,000 |
| Total capital | 10,631,000 | 10,693,000 | 10,400,000 | 10,484,000 |
| Risk-weighted assets | 31,758,000 | 31,587,000 | 31,939,000 | 31,363,000 |