Call reports 2017
ROANOKE VALLEY SAVINGS BANK, SSB — 2017
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 36,531,000 | 36,396,000 | 35,829,000 | 35,629,000 |
| Total loans | 14,507,000 | 14,192,000 | 14,211,000 | 13,912,000 |
| Allowance for loan losses | 196,000 | 196,000 | 196,000 | 196,000 |
| Securities available for sale | 2,348,000 | 2,355,000 | 2,345,000 | 2,313,000 |
| Securities held to maturity | 246,000 | 231,000 | 215,000 | 199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,192,000 | 25,998,000 | 25,394,000 | 25,326,000 |
| Interest-bearing deposits | 26,128,000 | 25,906,000 | 25,366,000 | 25,283,000 |
| Noninterest-bearing deposits | 64,000 | 92,000 | 28,000 | 43,000 |
| Equity capital | 9,579,000 | 9,629,000 | 9,606,000 | 9,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 219,000 | 447,000 | 677,000 | 912,000 |
| Interest expense | 47,000 | 95,000 | 141,000 | 189,000 |
| Net interest income | 172,000 | 352,000 | 536,000 | 723,000 |
| Noninterest income | 0 | 0 | 1,000 | 2,000 |
| Noninterest expense | 157,000 | 312,000 | 527,000 | 690,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | 40,000 | 10,000 | 35,000 |
| Income tax | 0 | 0 | -9,000 | -9,000 |
| Net income | 15,000 | 40,000 | 19,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,645,000 | 9,670,000 | 9,649,000 | 9,607,000 |
| Total capital | 9,841,000 | 9,866,000 | 9,845,000 | 9,803,000 |
| Risk-weighted assets | 16,408,000 | 16,145,000 | 15,973,000 | 15,740,000 |