Call reports 2006
RUBY VALLEY BANK — 2006
What RUBY VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,212,000 | 61,351,000 | 63,334,000 | 62,805,000 |
| Total loans | 50,984,000 | 53,352,000 | 54,466,000 | 52,392,000 |
| Allowance for loan losses | 836,000 | 875,000 | 898,000 | 711,000 |
| Securities available for sale | 3,444,000 | 3,363,000 | 3,345,000 | 3,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,534,000 | 50,535,000 | 52,858,000 | 53,210,000 |
| Interest-bearing deposits | 39,659,000 | 40,378,000 | 40,849,000 | 40,976,000 |
| Noninterest-bearing deposits | 9,875,000 | 10,157,000 | 12,009,000 | 12,234,000 |
| Equity capital | 6,720,000 | 6,692,000 | 7,172,000 | 7,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,139,000 | 2,377,000 | 3,655,000 | 4,886,000 |
| Interest expense | 267,000 | 577,000 | 923,000 | 1,267,000 |
| Net interest income | 872,000 | 1,800,000 | 2,732,000 | 3,619,000 |
| Noninterest income | 43,000 | 105,000 | 165,000 | 232,000 |
| Noninterest expense | 516,000 | 968,000 | 1,426,000 | 1,917,000 |
| Provision for loan losses | 30,000 | 70,000 | 90,000 | 160,000 |
| Pretax income | 369,000 | 867,000 | 1,381,000 | 1,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 867,000 | 1,381,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,786,000 | 6,784,000 | 7,223,000 | 7,117,000 |
| Total capital | 7,445,000 | 7,467,000 | 7,933,000 | 7,794,000 |
| Risk-weighted assets | 52,518,000 | 54,474,000 | 56,591,000 | 54,136,000 |
Machine access — free, no API key
Every figure shown here about RUBY VALLEY BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.