Call reports 2010
ROANOKE VALLEY SAVINGS BANK, SSB — 2010
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 42,345,000 | 43,356,000 | 43,208,000 | 43,250,000 |
| Total loans | 22,455,000 | 22,692,000 | 21,647,000 | 21,264,000 |
| Allowance for loan losses | 75,000 | 76,000 | 87,000 | 88,000 |
| Securities available for sale | 1,434,000 | 1,437,000 | 1,424,000 | 1,384,000 |
| Securities held to maturity | 2,434,000 | 420,000 | 388,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,096,000 | 33,064,000 | 32,921,000 | 32,962,000 |
| Interest-bearing deposits | 32,032,000 | 32,969,000 | 32,893,000 | 32,935,000 |
| Noninterest-bearing deposits | 64,000 | 95,000 | 28,000 | 27,000 |
| Equity capital | 9,578,000 | 9,599,000 | 9,601,000 | 9,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 682,000 | 1,027,000 | 1,352,000 |
| Interest expense | 141,000 | 274,000 | 406,000 | 528,000 |
| Net interest income | 227,000 | 408,000 | 621,000 | 824,000 |
| Noninterest income | 1,000 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 178,000 | 344,000 | 638,000 | 819,000 |
| Provision for loan losses | 2,000 | 3,000 | 19,000 | 20,000 |
| Pretax income | 48,000 | 62,000 | -35,000 | -14,000 |
| Income tax | 10,000 | 14,000 | -83,000 | -83,000 |
| Net income | 38,000 | 48,000 | 48,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,518,000 | 9,528,000 | 9,528,000 | 9,549,000 |
| Total capital | 9,593,000 | 9,604,000 | 9,615,000 | 9,637,000 |
| Risk-weighted assets | 20,428,000 | 20,991,000 | 20,862,000 | 20,808,000 |
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