Call reports 2005
RUBY VALLEY BANK — 2005
What RUBY VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,141,000 | 57,777,000 | 59,968,000 | 60,267,000 |
| Total loans | 44,264,000 | 50,447,000 | 52,640,000 | 48,739,000 |
| Allowance for loan losses | 824,000 | 835,000 | 841,000 | 818,000 |
| Securities available for sale | 3,105,000 | 3,026,000 | 2,889,000 | 3,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,719,000 | 47,201,000 | 48,886,000 | 52,028,000 |
| Interest-bearing deposits | 37,698,000 | 37,961,000 | 39,123,000 | 39,903,000 |
| Noninterest-bearing deposits | 9,021,000 | 9,240,000 | 9,763,000 | 12,125,000 |
| Equity capital | 6,461,000 | 6,480,000 | 6,445,000 | 6,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 2,046,000 | 3,186,000 | 4,340,000 |
| Interest expense | 171,000 | 369,000 | 612,000 | 877,000 |
| Net interest income | 821,000 | 1,677,000 | 2,574,000 | 3,463,000 |
| Noninterest income | 54,000 | 181,000 | 236,000 | 313,000 |
| Noninterest expense | 473,000 | 954,000 | 1,429,000 | 1,872,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 40,000 |
| Pretax income | 402,000 | 894,000 | 1,371,000 | 1,864,000 |
| Income tax | 0 | 0 | 0 | 41,000 |
| Net income | 402,000 | 894,000 | 1,371,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,497,000 | 6,489,000 | 6,466,000 | 6,417,000 |
| Total capital | 7,081,000 | 7,141,000 | 7,150,000 | 7,060,000 |
| Risk-weighted assets | 46,446,000 | 51,957,000 | 54,564,000 | 51,230,000 |
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