Call reports 2023
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2023
What VERSAILLES SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 63,262,000 | 57,420,000 | 56,278,000 | 56,849,000 |
| Total loans | 39,433,000 | 40,761,000 | 41,998,000 | 41,952,000 |
| Allowance for loan losses | 255,000 | 255,000 | 465,000 | 465,000 |
| Securities available for sale | 6,180,000 | 6,093,000 | 5,473,000 | 5,340,000 |
| Securities held to maturity | 22,000 | 21,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,854,000 | 41,547,000 | 40,604,000 | 41,637,000 |
| Interest-bearing deposits | 44,455,000 | 38,017,000 | 37,958,000 | 38,898,000 |
| Noninterest-bearing deposits | 3,399,000 | 3,530,000 | 2,646,000 | 2,739,000 |
| Equity capital | 11,677,000 | 11,995,000 | 11,897,000 | 11,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,213,000 | 1,814,000 | 2,428,000 |
| Interest expense | 40,000 | 100,000 | 214,000 | 344,000 |
| Net interest income | 561,000 | 1,113,000 | 1,600,000 | 2,084,000 |
| Noninterest income | 8,000 | 16,000 | 33,000 | 42,000 |
| Noninterest expense | 323,000 | 474,000 | 796,000 | 1,170,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 655,000 | 837,000 | 956,000 |
| Income tax | 52,000 | 139,000 | 178,000 | 204,000 |
| Net income | 194,000 | 516,000 | 659,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,047,000 | 12,379,000 | 12,321,000 | 11,728,000 |