Call reports 2004
RUBY VALLEY BANK — 2004
What RUBY VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,506,000 | 51,962,000 | 53,394,000 | 53,524,000 |
| Total loans | 41,784,000 | 43,098,000 | 43,608,000 | 43,336,000 |
| Allowance for loan losses | 759,000 | 800,000 | 804,000 | 820,000 |
| Securities available for sale | 2,556,000 | 2,150,000 | 1,844,000 | 3,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,993,000 | 44,761,000 | 45,891,000 | 46,297,000 |
| Interest-bearing deposits | 35,196,000 | 34,806,000 | 35,300,000 | 36,490,000 |
| Noninterest-bearing deposits | 7,797,000 | 9,955,000 | 10,591,000 | 9,807,000 |
| Equity capital | 5,883,000 | 5,741,000 | 6,213,000 | 6,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,754,000 | 2,716,000 | 3,692,000 |
| Interest expense | 144,000 | 288,000 | 435,000 | 599,000 |
| Net interest income | 719,000 | 1,466,000 | 2,281,000 | 3,093,000 |
| Noninterest income | 62,000 | 124,000 | 193,000 | 271,000 |
| Noninterest expense | 449,000 | 867,000 | 1,297,000 | 1,729,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 332,000 | 723,000 | 1,177,000 | 1,585,000 |
| Income tax | -2,000 | -7,000 | -7,000 | -6,000 |
| Net income | 334,000 | 730,000 | 1,184,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,837,000 | 5,733,000 | 6,187,000 | 6,095,000 |
| Total capital | 6,384,000 | 6,298,000 | 6,767,000 | 6,664,000 |
| Risk-weighted assets | 43,515,000 | 45,005,000 | 46,166,000 | 45,297,000 |
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