Call reports 2003
RUBY VALLEY BANK — 2003
What RUBY VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,885,000 | 50,392,000 | 51,081,000 | 51,182,000 |
| Total loans | 40,542,000 | 43,130,000 | 43,173,000 | 41,866,000 |
| Allowance for loan losses | 667,000 | 690,000 | 780,000 | 749,000 |
| Securities available for sale | 3,798,000 | 3,445,000 | 2,934,000 | 2,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,062,000 | 41,476,000 | 42,220,000 | 43,368,000 |
| Interest-bearing deposits | 34,672,000 | 34,719,000 | 33,651,000 | 34,442,000 |
| Noninterest-bearing deposits | 7,390,000 | 6,757,000 | 8,569,000 | 8,926,000 |
| Equity capital | 4,891,000 | 5,376,000 | 5,769,000 | 5,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,872,000 | 2,791,000 | 3,571,000 |
| Interest expense | 187,000 | 371,000 | 537,000 | 693,000 |
| Net interest income | 704,000 | 1,501,000 | 2,254,000 | 2,878,000 |
| Noninterest income | 66,000 | 122,000 | 173,000 | 238,000 |
| Noninterest expense | 414,000 | 764,000 | 1,137,000 | 1,530,000 |
| Provision for loan losses | 25,000 | 60,000 | 70,000 | 100,000 |
| Pretax income | 331,000 | 806,000 | 1,227,000 | 1,493,000 |
| Income tax | -9,000 | -9,000 | -9,000 | -9,000 |
| Net income | 340,000 | 815,000 | 1,236,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,842,000 | 5,317,000 | 5,738,000 | 5,504,000 |
| Total capital | 5,360,000 | 5,867,000 | 6,297,000 | 6,055,000 |
| Risk-weighted assets | 41,301,000 | 43,830,000 | 44,536,000 | 43,856,000 |
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