Call reports 2015
ROANOKE VALLEY SAVINGS BANK, SSB — 2015
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,615,000 | 38,371,000 | 37,862,000 | 37,641,000 |
| Total loans | 16,873,000 | 17,289,000 | 16,584,000 | 16,069,000 |
| Allowance for loan losses | 251,000 | 251,000 | 251,000 | 251,000 |
| Securities available for sale | 407,000 | 368,000 | 1,109,000 | 1,732,000 |
| Securities held to maturity | 1,077,000 | 1,028,000 | 990,000 | 963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,254,000 | 27,988,000 | 27,431,000 | 27,264,000 |
| Interest-bearing deposits | 28,193,000 | 27,898,000 | 27,400,000 | 27,219,000 |
| Noninterest-bearing deposits | 61,000 | 90,000 | 31,000 | 45,000 |
| Equity capital | 9,579,000 | 9,577,000 | 9,614,000 | 9,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 429,000 | 650,000 | 864,000 |
| Interest expense | 47,000 | 94,000 | 141,000 | 189,000 |
| Net interest income | 167,000 | 335,000 | 509,000 | 675,000 |
| Noninterest income | 0 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 174,000 | 345,000 | 505,000 | 667,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -9,000 | 6,000 | 11,000 |
| Income tax | 0 | 0 | -22,000 | -22,000 |
| Net income | -7,000 | -9,000 | 28,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,574,000 | 9,573,000 | 9,610,000 | 9,615,000 |
| Total capital | 9,788,000 | 9,789,000 | 9,822,000 | 9,822,000 |
| Risk-weighted assets | 17,084,000 | 17,266,000 | 16,965,000 | 16,502,000 |