Call reports 2007
RUBY VALLEY BANK — 2007
What RUBY VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,955,000 | 62,299,000 | 62,441,000 | 62,538,000 |
| Total loans | 53,047,000 | 54,436,000 | 54,328,000 | 53,289,000 |
| Allowance for loan losses | 701,000 | 750,000 | 693,000 | 707,000 |
| Securities available for sale | 3,031,000 | 3,064,000 | 2,967,000 | 2,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,474,000 | 52,877,000 | 53,171,000 | 53,329,000 |
| Interest-bearing deposits | 41,657,000 | 42,716,000 | 41,769,000 | 40,045,000 |
| Noninterest-bearing deposits | 9,817,000 | 10,161,000 | 11,402,000 | 13,284,000 |
| Equity capital | 7,244,000 | 7,370,000 | 7,277,000 | 7,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,485,000 | 3,775,000 | 5,075,000 |
| Interest expense | 341,000 | 697,000 | 1,042,000 | 1,346,000 |
| Net interest income | 870,000 | 1,788,000 | 2,733,000 | 3,729,000 |
| Noninterest income | 33,000 | 100,000 | 183,000 | 300,000 |
| Noninterest expense | 537,000 | 1,031,000 | 1,570,000 | 2,076,000 |
| Provision for loan losses | 60,000 | 110,000 | 220,000 | 295,000 |
| Pretax income | 306,000 | 747,000 | 1,126,000 | 1,658,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 747,000 | 1,126,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,273,000 | 7,413,000 | 7,292,000 | 7,649,000 |
| Total capital | 7,954,000 | 8,104,000 | 7,985,000 | 8,336,000 |
| Risk-weighted assets | 54,452,000 | 55,209,000 | 55,965,000 | 54,912,000 |
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