Call reports 2012
RUBY VALLEY BANK — 2012
What RUBY VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,903,000 | 77,729,000 | 77,747,000 | 82,693,000 |
| Total loans | 58,524,000 | 60,190,000 | 59,105,000 | 58,060,000 |
| Allowance for loan losses | 1,023,000 | 1,223,000 | 1,734,000 | 1,701,000 |
| Securities available for sale | 12,540,000 | 13,675,000 | 12,822,000 | 14,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,900,000 | 66,363,000 | 66,602,000 | 71,577,000 |
| Interest-bearing deposits | 56,193,000 | 53,152,000 | 52,238,000 | 54,564,000 |
| Noninterest-bearing deposits | 12,707,000 | 13,211,000 | 14,364,000 | 17,013,000 |
| Equity capital | 10,860,000 | 11,236,000 | 11,030,000 | 11,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,300,000 | 3,464,000 | 4,603,000 |
| Interest expense | 84,000 | 154,000 | 217,000 | 274,000 |
| Net interest income | 981,000 | 2,146,000 | 3,247,000 | 4,329,000 |
| Noninterest income | 70,000 | 149,000 | 223,000 | 299,000 |
| Noninterest expense | 602,000 | 1,128,000 | 1,706,000 | 2,274,000 |
| Provision for loan losses | 50,000 | 225,000 | 835,000 | 885,000 |
| Pretax income | 399,000 | 942,000 | 929,000 | 1,469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 942,000 | 929,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,722,000 | 11,015,000 | 10,752,000 | 10,792,000 |
| Total capital | 11,488,000 | 11,803,000 | 11,531,000 | 11,561,000 |
| Risk-weighted assets | 61,002,000 | 62,563,000 | 61,289,000 | 60,533,000 |