Call reports 2008
BLUERIDGE BANK — 2008
What BLUERIDGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Total assets | 27,398,000 | 39,169,000 | 52,839,000 |
| Total loans | 16,296,000 | 30,014,000 | 35,446,000 |
| Allowance for loan losses | 51,000 | 332,000 | 521,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 11,166,000 | 23,503,000 | 36,892,000 |
| Interest-bearing deposits | 8,223,000 | 19,591,000 | 33,044,000 |
| Noninterest-bearing deposits | 2,943,000 | 3,912,000 | 3,848,000 |
| Equity capital | 16,225,000 | 15,603,000 | 15,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Interest income | 160,000 | 561,000 | 1,061,000 |
| Interest expense | 24,000 | 106,000 | 299,000 |
| Net interest income | 136,000 | 455,000 | 762,000 |
| Noninterest income | 0 | 2,000 | 12,000 |
| Noninterest expense | 490,000 | 1,135,000 | 1,919,000 |
| Provision for loan losses | 51,000 | 332,000 | 521,000 |
| Pretax income | -405,000 | -1,010,000 | -1,666,000 |
| Income tax | 0 | 0 | -714,000 |
| Net income | -405,000 | -1,010,000 | -952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Tier 1 capital | 16,225,000 | 15,603,000 | 15,159,000 |
| Total capital | 16,276,000 | 15,935,000 | 15,649,000 |
| Risk-weighted assets | 18,237,000 | 31,301,000 | 38,996,000 |
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