Call reports 2014
ROANOKE VALLEY SAVINGS BANK, SSB — 2014
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 39,372,000 | 39,127,000 | 39,002,000 | 38,925,000 |
| Total loans | 18,325,000 | 18,190,000 | 17,854,000 | 17,020,000 |
| Allowance for loan losses | 252,000 | 252,000 | 251,000 | 251,000 |
| Securities available for sale | 534,000 | 502,000 | 493,000 | 439,000 |
| Securities held to maturity | 1,244,000 | 1,204,000 | 1,657,000 | 1,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,986,000 | 28,713,000 | 28,585,000 | 28,556,000 |
| Interest-bearing deposits | 28,926,000 | 28,628,000 | 28,558,000 | 28,528,000 |
| Noninterest-bearing deposits | 60,000 | 85,000 | 27,000 | 28,000 |
| Equity capital | 9,647,000 | 9,650,000 | 9,603,000 | 9,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 224,000 | 450,000 | 672,000 | 888,000 |
| Interest expense | 49,000 | 98,000 | 146,000 | 194,000 |
| Net interest income | 175,000 | 352,000 | 526,000 | 694,000 |
| Noninterest income | 0 | 0 | -51,000 | -51,000 |
| Noninterest expense | 182,000 | 356,000 | 544,000 | 727,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -4,000 | -69,000 | -84,000 |
| Income tax | 0 | 0 | -10,000 | -10,000 |
| Net income | -7,000 | -4,000 | -59,000 | -74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,649,000 | 9,652,000 | 9,596,000 | 9,582,000 |
| Total capital | 9,884,000 | 9,886,000 | 9,829,000 | 9,811,000 |
| Risk-weighted assets | 18,785,000 | 18,729,000 | 18,585,000 | 18,318,000 |
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