Call reports 2009
ROANOKE VALLEY SAVINGS BANK, SSB — 2009
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,692,000 | 44,356,000 | 44,055,000 | 42,616,000 |
| Total loans | 24,128,000 | 23,126,000 | 22,880,000 | 22,721,000 |
| Allowance for loan losses | 44,000 | 45,000 | 47,000 | 73,000 |
| Securities available for sale | 1,500,000 | 1,477,000 | 2,467,000 | 2,466,000 |
| Securities held to maturity | 534,000 | 497,000 | 481,000 | 2,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,632,000 | 34,287,000 | 33,874,000 | 32,412,000 |
| Interest-bearing deposits | 33,556,000 | 34,183,000 | 33,843,000 | 32,378,000 |
| Noninterest-bearing deposits | 76,000 | 104,000 | 31,000 | 34,000 |
| Equity capital | 9,410,000 | 9,395,000 | 9,503,000 | 9,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 414,000 | 801,000 | 1,175,000 | 1,563,000 |
| Interest expense | 244,000 | 458,000 | 650,000 | 810,000 |
| Net interest income | 170,000 | 343,000 | 525,000 | 753,000 |
| Noninterest income | 0 | 0 | 1,000 | 4,000 |
| Noninterest expense | 188,000 | 367,000 | 462,000 | 621,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | -20,000 | -27,000 | 59,000 | 130,000 |
| Income tax | 0 | 0 | -17,000 | -5,000 |
| Net income | -20,000 | -27,000 | 76,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,312,000 | 9,305,000 | 9,408,000 | 9,480,000 |
| Total capital | 9,356,000 | 9,350,000 | 9,455,000 | 9,553,000 |
| Risk-weighted assets | 21,229,000 | 21,047,000 | 20,982,000 | 20,511,000 |
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