Call reports 2014
RUBY VALLEY BANK — 2014
What RUBY VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,074,000 | 84,764,000 | 84,610,000 | 88,512,000 |
| Total loans | 57,647,000 | 59,457,000 | 61,165,000 | 55,097,000 |
| Allowance for loan losses | 1,846,000 | 1,456,000 | 1,551,000 | 1,554,000 |
| Securities available for sale | 20,351,000 | 20,730,000 | 20,333,000 | 20,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,357,000 | 72,773,000 | 70,482,000 | 75,978,000 |
| Interest-bearing deposits | 55,005,000 | 53,717,000 | 52,275,000 | 53,336,000 |
| Noninterest-bearing deposits | 17,352,000 | 19,056,000 | 18,207,000 | 22,642,000 |
| Equity capital | 11,603,000 | 11,882,000 | 12,011,000 | 12,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 2,056,000 | 3,152,000 | 4,331,000 |
| Interest expense | 42,000 | 83,000 | 122,000 | 159,000 |
| Net interest income | 911,000 | 1,973,000 | 3,030,000 | 4,172,000 |
| Noninterest income | 69,000 | 152,000 | 231,000 | 307,000 |
| Noninterest expense | 661,000 | 1,234,000 | 1,835,000 | 2,437,000 |
| Provision for loan losses | 30,000 | 180,000 | 330,000 | 330,000 |
| Pretax income | 289,000 | 711,000 | 1,096,000 | 1,712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 289,000 | 711,000 | 1,096,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,628,000 | 11,799,000 | 11,934,000 | 12,300,000 |
| Total capital | 12,406,000 | 12,606,000 | 12,761,000 | 13,052,000 |
| Risk-weighted assets | 61,130,000 | 63,875,000 | 65,418,000 | 59,335,000 |