Call reports 2013
ROANOKE VALLEY SAVINGS BANK, SSB — 2013
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,118,000 | 40,350,000 | 40,139,000 | 39,865,000 |
| Total loans | 18,977,000 | 18,514,000 | 18,466,000 | 18,240,000 |
| Allowance for loan losses | 246,000 | 249,000 | 252,000 | 252,000 |
| Securities available for sale | 1,995,000 | 1,675,000 | 582,000 | 551,000 |
| Securities held to maturity | 885,000 | 803,000 | 742,000 | 691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,750,000 | 29,919,000 | 29,751,000 | 29,465,000 |
| Interest-bearing deposits | 30,683,000 | 29,828,000 | 29,729,000 | 29,433,000 |
| Noninterest-bearing deposits | 67,000 | 91,000 | 22,000 | 32,000 |
| Equity capital | 9,673,000 | 9,701,000 | 9,666,000 | 9,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 251,000 | 503,000 | 739,000 | 960,000 |
| Interest expense | 63,000 | 122,000 | 178,000 | 231,000 |
| Net interest income | 188,000 | 381,000 | 561,000 | 729,000 |
| Noninterest income | 0 | 0 | 1,000 | 1,000 |
| Noninterest expense | 178,000 | 337,000 | 567,000 | 747,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 9,000 |
| Pretax income | 7,000 | 38,000 | -14,000 | -26,000 |
| Income tax | 0 | 3,000 | -26,000 | -26,000 |
| Net income | 7,000 | 35,000 | 12,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,662,000 | 9,691,000 | 9,668,000 | 9,656,000 |
| Total capital | 9,908,000 | 9,928,000 | 9,905,000 | 9,892,000 |
| Risk-weighted assets | 19,318,000 | 18,966,000 | 18,949,000 | 18,842,000 |
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