FDIC Certificate #: 29485 Status: Active Federal Reserve ID: 563774 Date Established: January 01, 1929 Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3533 FDIC's unique #: 42319 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: July 16, 1951 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 828 Roanoke Avenue, Roanoke Rapids, NC 27870 County: Halifax Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Raleigh Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Roanoke Rapids, NC (#40260) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.4 mil Equity capital: $9.7 mil Deposits held in domestic offices: $32.0 mil Return on assets (ROA): 0.18% ($0.1 mil) Quarterly return on assets: 0.27% ($0.1 mil) Return on Equity (ROE): 0.80% ($0.1 mil) Quarterly return on equity: 1.20% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.11% ($46.6 mil) Quarterly Pretax return on assets: 0.27% ($114.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
6Total employees (full-time equivalent)
$42,397Total assets
$14,636Cash and due from depository institutions
$13,901Interest-bearing balances
$3,392Securities
$0Federal funds sold & reverse repurchase agreements
$20,272Net loans & leases
$164Loan loss allowance
$0Trading account assets
$113Bank premises and fixed assets
$57Other real estate owned
$0Goodwill and other intangibles
$42,397Life insurance assets
$3,927All other assets
$32,736Total liabilities and capital
$32,012Total liabilities
$31,981Total deposits
$32,012Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$724Subordinated debt
$9,661All other liabilities
$9,661Total equity capital
$9,661Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$9,661Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$671Income earned, not collected on loans
$0Earning assets
$135Long-term assets (5+ years)
$37,565Average Assets, year-to-date
$8,379Average Assets, quarterly
$42,822Volatile liabilities
$42,505Insider loans
$19,745FHLB advances
$42,505Loans and leases held for sale
$3,418Unused loan commitments
$2,137Tier 1 (core) risk-based capital
$9,626Tier 2 risk-based capital
$1,281Total risk weighted assets
$0Total unused commitments
$1,624Restructured Loans and leases
$209Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,217Total interest income
$401Total interest expense
$816Net interest income
$76Provision for loan and lease losses
$2Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$694Total noninterest expense
$371Salaries and employee benefits
$51Premises and equipment expense
$272Additional noninterest expense
$48Pre-tax net operating income
$0Securities gains (losses)
-$29Applicable income taxes
$77Income before extraordinary items
$0Extraordinary gains - net
$77Net income attributable to bank
$0Net charge-offs
$77Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.20%Yield on earning assets
1.05%Cost of funding earning assets
2.14%Net interest margin
0.01%Noninterest income to earning assets
1.82%Noninterest expense to earning assets
0.18%Net operating income to assets
0.18%Return on assets (ROA)
0.11%Pretax return on assets
0.80%Return on equity (ROE)
0.80%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
84,841Assets per employee
7.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.80%Loss allowance to noncurrent loans
24.44%Noncurrent assets plus other real estate owned to assets
1.72%Noncurrent loans to loans
3.28%Net loans and leases to deposits
63.33%Net loans and leases to core deposits
65.72%Equity capital to assets
22.79%Core capital (leverage) ratio
22.65%Tier 1 risk-based capital ratio
48.75%Total risk-based capital ratio
Memoranda
$50Average assets
$42,822Average earning assets
$9,639Average equity
$38,048Average loans
List of branches
1 North Carolina Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42319
Roanoke Valley Savings Bank, Ssb
828 Roanoke Avenue, Roanoke Rapids, NC 27870
January 01, 1929
Full Service Brick and Mortar
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