Call reports 2013
RUBY VALLEY BANK — 2013
What RUBY VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,204,000 | 78,528,000 | 80,606,000 | 84,815,000 |
| Total loans | 58,146,000 | 59,096,000 | 59,873,000 | 55,967,000 |
| Allowance for loan losses | 1,776,000 | 1,859,000 | 1,862,000 | 1,931,000 |
| Securities available for sale | 15,328,000 | 15,037,000 | 14,571,000 | 16,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,807,000 | 67,150,000 | 68,992,000 | 73,000,000 |
| Interest-bearing deposits | 54,928,000 | 51,767,000 | 52,323,000 | 55,213,000 |
| Noninterest-bearing deposits | 14,879,000 | 15,383,000 | 16,669,000 | 17,787,000 |
| Equity capital | 11,126,000 | 11,262,000 | 11,497,000 | 11,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,109,000 | 3,167,000 | 4,493,000 |
| Interest expense | 52,000 | 99,000 | 144,000 | 187,000 |
| Net interest income | 947,000 | 2,010,000 | 3,023,000 | 4,306,000 |
| Noninterest income | 73,000 | 157,000 | 248,000 | 326,000 |
| Noninterest expense | 673,000 | 1,245,000 | 1,915,000 | 2,537,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 200,000 |
| Pretax income | 272,000 | 797,000 | 1,231,000 | 1,897,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 797,000 | 1,231,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,914,000 | 11,288,000 | 11,472,000 | 11,838,000 |
| Total capital | 11,681,000 | 12,068,000 | 12,261,000 | 12,583,000 |
| Risk-weighted assets | 60,295,000 | 61,307,000 | 61,989,000 | 58,347,000 |