Call reports 2016
ROANOKE VALLEY SAVINGS BANK, SSB — 2016
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,171,000 | 37,337,000 | 37,056,000 | 36,655,000 |
| Total loans | 15,650,000 | 15,547,000 | 15,130,000 | 14,882,000 |
| Allowance for loan losses | 251,000 | 241,000 | 241,000 | 208,000 |
| Securities available for sale | 1,674,000 | 1,042,000 | 1,291,000 | 2,350,000 |
| Securities held to maturity | 932,000 | 309,000 | 285,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,760,000 | 26,862,000 | 26,560,000 | 26,331,000 |
| Interest-bearing deposits | 26,695,000 | 26,761,000 | 26,530,000 | 26,299,000 |
| Noninterest-bearing deposits | 65,000 | 101,000 | 30,000 | 32,000 |
| Equity capital | 9,648,000 | 9,703,000 | 9,636,000 | 9,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 223,000 | 485,000 | 689,000 | 892,000 |
| Interest expense | 47,000 | 94,000 | 142,000 | 190,000 |
| Net interest income | 176,000 | 391,000 | 547,000 | 702,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 152,000 | 309,000 | 549,000 | 707,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 83,000 | 0 | -2,000 |
| Income tax | 0 | 0 | -17,000 | -17,000 |
| Net income | 25,000 | 83,000 | 17,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,640,000 | 9,698,000 | 9,632,000 | 9,630,000 |
| Total capital | 9,844,000 | 9,893,000 | 9,842,000 | 9,837,000 |
| Risk-weighted assets | 16,274,000 | 15,546,000 | 16,800,000 | 16,549,000 |