Call reports 2009
RUBY VALLEY BANK — 2009
What RUBY VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,139,000 | 70,345,000 | 70,000,000 | 72,975,000 |
| Total loans | 55,054,000 | 57,191,000 | 57,859,000 | 55,915,000 |
| Allowance for loan losses | 771,000 | 800,000 | 884,000 | 980,000 |
| Securities available for sale | 4,461,000 | 5,389,000 | 5,714,000 | 7,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,780,000 | 61,606,000 | 61,027,000 | 64,046,000 |
| Interest-bearing deposits | 47,715,000 | 50,265,000 | 50,685,000 | 51,854,000 |
| Noninterest-bearing deposits | 11,065,000 | 11,341,000 | 10,342,000 | 12,192,000 |
| Equity capital | 8,159,000 | 8,501,000 | 8,757,000 | 8,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,160,000 | 2,369,000 | 3,561,000 | 4,745,000 |
| Interest expense | 282,000 | 505,000 | 727,000 | 933,000 |
| Net interest income | 878,000 | 1,864,000 | 2,834,000 | 3,812,000 |
| Noninterest income | 58,000 | 106,000 | 135,000 | 137,000 |
| Noninterest expense | 619,000 | 1,152,000 | 1,697,000 | 2,250,000 |
| Provision for loan losses | 30,000 | 60,000 | 210,000 | 310,000 |
| Pretax income | 287,000 | 758,000 | 1,062,000 | 1,389,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 287,000 | 758,000 | 1,062,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,129,000 | 8,400,000 | 8,604,000 | 8,631,000 |
| Total capital | 8,830,000 | 9,138,000 | 9,345,000 | 9,346,000 |
| Risk-weighted assets | 55,942,000 | 58,930,000 | 59,107,000 | 56,885,000 |