Call reports 2025
VERSAILLES SAVINGS AND LOAN COMPANY, THE — 2025
What VERSAILLES SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 59,660,000 | 61,579,000 | 62,102,000 | 63,158,000 |
| Total loans | 44,682,000 | 45,647,000 | 45,118,000 | 46,073,000 |
| Allowance for loan losses | 495,000 | 530,000 | 549,000 | 564,000 |
| Securities available for sale | 3,447,000 | 3,188,000 | 4,156,000 | 5,379,000 |
| Securities held to maturity | 11,000 | 10,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,708,000 | 47,373,000 | 47,659,000 | 48,959,000 |
| Interest-bearing deposits | 42,824,000 | 43,832,000 | 44,194,000 | 45,484,000 |
| Noninterest-bearing deposits | 2,884,000 | 3,541,000 | 3,465,000 | 3,475,000 |
| Equity capital | 11,971,000 | 12,151,000 | 12,320,000 | 12,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,455,000 | 2,207,000 | 2,968,000 |
| Interest expense | 203,000 | 406,000 | 617,000 | 832,000 |
| Net interest income | 517,000 | 1,049,000 | 1,590,000 | 2,136,000 |
| Noninterest income | 8,000 | 16,000 | 24,000 | 32,000 |
| Noninterest expense | 302,000 | 626,000 | 965,000 | 1,489,000 |
| Provision for loan losses | 3,000 | 38,000 | 57,000 | 72,000 |
| Pretax income | 220,000 | 401,000 | 592,000 | 607,000 |
| Income tax | 46,000 | 84,000 | 124,000 | 101,000 |
| Net income | 174,000 | 317,000 | 468,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,143,000 | 12,286,000 | 12,437,000 | 12,100,000 |