Call reports 2015
RUBY VALLEY BANK — 2015
What RUBY VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,032,000 | 87,193,000 | 91,456,000 | 92,146,000 |
| Total loans | 56,206,000 | 57,513,000 | 58,230,000 | 54,166,000 |
| Allowance for loan losses | 1,586,000 | 1,600,000 | 1,602,000 | 1,607,000 |
| Securities available for sale | 22,920,000 | 24,854,000 | 23,783,000 | 28,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,007,000 | 74,569,000 | 78,272,000 | 78,789,000 |
| Interest-bearing deposits | 55,672,000 | 53,888,000 | 56,030,000 | 56,869,000 |
| Noninterest-bearing deposits | 21,335,000 | 20,681,000 | 22,242,000 | 21,920,000 |
| Equity capital | 12,683,000 | 12,539,000 | 13,072,000 | 13,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,083,000 | 3,190,000 | 4,427,000 |
| Interest expense | 34,000 | 67,000 | 99,000 | 133,000 |
| Net interest income | 1,050,000 | 2,016,000 | 3,091,000 | 4,294,000 |
| Noninterest income | 69,000 | 140,000 | 211,000 | 284,000 |
| Noninterest expense | 696,000 | 1,266,000 | 1,858,000 | 2,581,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 408,000 | 846,000 | 1,410,000 | 1,973,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 846,000 | 1,410,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,459,000 | 12,647,000 | 13,010,000 | 13,374,000 |
| Total capital | 13,254,000 | 13,459,000 | 13,835,000 | 14,168,000 |
| Risk-weighted assets | 62,776,000 | 64,136,000 | 65,199,000 | 62,670,000 |