Call reports 2017
RUBY VALLEY BANK — 2017
What RUBY VALLEY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 92,211,000 | 91,847,000 | 94,575,000 | 95,643,000 |
| Total loans | 53,959,000 | 55,389,000 | 56,269,000 | 56,861,000 |
| Allowance for loan losses | 1,588,000 | 1,589,000 | 1,385,000 | 1,298,000 |
| Securities available for sale | 34,251,000 | 31,433,000 | 29,882,000 | 31,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,772,000 | 77,894,000 | 80,313,000 | 81,225,000 |
| Interest-bearing deposits | 59,409,000 | 57,684,000 | 58,694,000 | 58,000,000 |
| Noninterest-bearing deposits | 19,363,000 | 20,210,000 | 21,619,000 | 23,225,000 |
| Equity capital | 13,321,000 | 13,865,000 | 14,164,000 | 14,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,078,000 | 3,138,000 | 4,398,000 |
| Interest expense | 36,000 | 73,000 | 113,000 | 151,000 |
| Net interest income | 991,000 | 2,005,000 | 3,025,000 | 4,247,000 |
| Noninterest income | 76,000 | 151,000 | 231,000 | 316,000 |
| Noninterest expense | 613,000 | 1,165,000 | 1,749,000 | 2,381,000 |
| Provision for loan losses | 0 | 0 | -218,000 | -311,000 |
| Pretax income | 454,000 | 999,000 | 1,733,000 | 2,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 999,000 | 1,733,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,859,000 | 14,104,000 | 14,438,000 | 14,855,000 |
| Total capital | 14,646,000 | 14,906,000 | 15,261,000 | 15,679,000 |
| Risk-weighted assets | 62,135,000 | 63,298,000 | 65,215,000 | 65,358,000 |