Call reports 2008
RUBY VALLEY BANK — 2008
What RUBY VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 60,941,000 | 64,232,000 | 64,403,000 | 69,705,000 |
| Total loans | 54,252,000 | 56,853,000 | 57,521,000 | 54,601,000 |
| Allowance for loan losses | 747,000 | 778,000 | 800,000 | 757,000 |
| Securities available for sale | 2,065,000 | 2,241,000 | 1,885,000 | 2,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,662,000 | 51,946,000 | 53,814,000 | 59,125,000 |
| Interest-bearing deposits | 39,104,000 | 40,755,000 | 42,038,000 | 44,066,000 |
| Noninterest-bearing deposits | 10,558,000 | 11,191,000 | 11,776,000 | 15,059,000 |
| Equity capital | 8,152,000 | 8,019,000 | 8,083,000 | 8,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,497,000 | 3,742,000 | 4,948,000 |
| Interest expense | 248,000 | 497,000 | 766,000 | 1,012,000 |
| Net interest income | 1,005,000 | 2,000,000 | 2,976,000 | 3,936,000 |
| Noninterest income | 70,000 | 137,000 | 122,000 | 133,000 |
| Noninterest expense | 555,000 | 1,043,000 | 1,574,000 | 2,168,000 |
| Provision for loan losses | 40,000 | 70,000 | 90,000 | 60,000 |
| Pretax income | 480,000 | 1,024,000 | 1,435,000 | 1,842,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 480,000 | 1,024,000 | 1,435,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,129,000 | 8,023,000 | 8,084,000 | 8,191,000 |
| Total capital | 8,816,000 | 8,738,000 | 8,808,000 | 8,888,000 |
| Risk-weighted assets | 54,919,000 | 57,165,000 | 57,800,000 | 55,616,000 |
Machine access — free, no API key
Every figure shown here about RUBY VALLEY BANK — 2008 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.