Call reports 2010
RUBY VALLEY BANK — 2010
What RUBY VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 72,179,000 | 71,372,000 | 72,091,000 | 75,128,000 |
| Total loans | 57,274,000 | 58,001,000 | 60,094,000 | 55,618,000 |
| Allowance for loan losses | 1,012,000 | 1,043,000 | 1,109,000 | 1,152,000 |
| Securities available for sale | 7,981,000 | 8,220,000 | 7,550,000 | 7,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,953,000 | 61,638,000 | 60,465,000 | 65,050,000 |
| Interest-bearing deposits | 51,440,000 | 50,834,000 | 48,844,000 | 51,763,000 |
| Noninterest-bearing deposits | 11,513,000 | 10,804,000 | 11,621,000 | 13,287,000 |
| Equity capital | 9,011,000 | 9,560,000 | 9,850,000 | 9,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,340,000 | 3,676,000 | 4,872,000 |
| Interest expense | 186,000 | 354,000 | 508,000 | 646,000 |
| Net interest income | 968,000 | 1,986,000 | 3,168,000 | 4,226,000 |
| Noninterest income | 58,000 | 129,000 | 199,000 | 276,000 |
| Noninterest expense | 551,000 | 1,058,000 | 1,586,000 | 2,117,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 205,000 |
| Pretax income | 445,000 | 1,001,000 | 1,655,000 | 2,184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 1,001,000 | 1,655,000 | 2,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,876,000 | 9,257,000 | 9,611,000 | 9,815,000 |
| Total capital | 9,603,000 | 9,998,000 | 10,369,000 | 10,523,000 |
| Risk-weighted assets | 57,794,000 | 58,939,000 | 60,249,000 | 56,167,000 |