Call reports 2016
RUBY VALLEY BANK — 2016
What RUBY VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,678,000 | 93,471,000 | 94,686,000 | 92,813,000 |
| Total loans | 54,072,000 | 55,581,000 | 55,408,000 | 52,802,000 |
| Allowance for loan losses | 1,608,000 | 1,609,000 | 1,658,000 | 1,638,000 |
| Securities available for sale | 36,053,000 | 35,725,000 | 33,854,000 | 34,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,073,000 | 78,849,000 | 80,583,000 | 79,729,000 |
| Interest-bearing deposits | 60,231,000 | 58,080,000 | 57,497,000 | 59,494,000 |
| Noninterest-bearing deposits | 20,842,000 | 20,769,000 | 23,086,000 | 20,235,000 |
| Equity capital | 13,488,000 | 13,814,000 | 14,007,000 | 12,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,078,000 | 3,242,000 | 4,283,000 |
| Interest expense | 35,000 | 72,000 | 112,000 | 149,000 |
| Net interest income | 992,000 | 2,006,000 | 3,130,000 | 4,134,000 |
| Noninterest income | 70,000 | 140,000 | 213,000 | 290,000 |
| Noninterest expense | 629,000 | 1,193,000 | 1,919,000 | 2,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 433,000 | 953,000 | 1,426,000 | 1,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 953,000 | 1,426,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,407,000 | 13,428,000 | 13,650,000 | 13,805,000 |
| Total capital | 14,215,000 | 14,239,000 | 14,456,000 | 14,584,000 |
| Risk-weighted assets | 63,804,000 | 64,062,000 | 63,535,000 | 61,412,000 |