Call reports 2011
RUBY VALLEY BANK — 2011
What RUBY VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 75,009,000 | 76,798,000 | 77,750,000 | 79,284,000 |
| Total loans | 57,038,000 | 57,912,000 | 58,147,000 | 54,999,000 |
| Allowance for loan losses | 1,211,000 | 1,219,000 | 1,204,000 | 964,000 |
| Securities available for sale | 8,390,000 | 8,065,000 | 9,230,000 | 11,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,704,000 | 66,058,000 | 66,715,000 | 68,314,000 |
| Interest-bearing deposits | 51,695,000 | 52,284,000 | 52,560,000 | 54,296,000 |
| Noninterest-bearing deposits | 13,009,000 | 13,774,000 | 14,155,000 | 14,018,000 |
| Equity capital | 10,139,000 | 10,581,000 | 10,885,000 | 10,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,310,000 | 3,495,000 | 4,586,000 |
| Interest expense | 130,000 | 250,000 | 362,000 | 457,000 |
| Net interest income | 997,000 | 2,060,000 | 3,133,000 | 4,129,000 |
| Noninterest income | 62,000 | 130,000 | 210,000 | 285,000 |
| Noninterest expense | 627,000 | 1,124,000 | 1,641,000 | 2,201,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 385,000 |
| Pretax income | 372,000 | 931,000 | 1,492,000 | 1,828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 931,000 | 1,492,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,987,000 | 10,346,000 | 10,606,000 | 10,643,000 |
| Total capital | 10,729,000 | 11,097,000 | 11,365,000 | 11,366,000 |
| Risk-weighted assets | 58,859,000 | 59,527,000 | 60,222,000 | 57,538,000 |