Call reports 2011
BLUERIDGE BANK — 2011
What BLUERIDGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 131,940,000 | 133,241,000 | 140,610,000 | 152,275,000 |
| Total loans | 91,007,000 | 91,269,000 | 96,928,000 | 102,270,000 |
| Allowance for loan losses | 1,569,000 | 1,569,000 | 1,580,000 | 1,737,000 |
| Securities available for sale | 29,966,000 | 35,583,000 | 27,694,000 | 33,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,398,000 | 119,336,000 | 126,268,000 | 138,170,000 |
| Interest-bearing deposits | 103,703,000 | 103,905,000 | 112,389,000 | 122,554,000 |
| Noninterest-bearing deposits | 14,695,000 | 15,431,000 | 13,879,000 | 15,616,000 |
| Equity capital | 13,387,000 | 13,749,000 | 14,183,000 | 13,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,323,000 | 2,749,000 | 4,200,000 | 5,660,000 |
| Interest expense | 410,000 | 815,000 | 1,229,000 | 1,666,000 |
| Net interest income | 913,000 | 1,934,000 | 2,971,000 | 3,994,000 |
| Noninterest income | 18,000 | 39,000 | 64,000 | 82,000 |
| Noninterest expense | 881,000 | 1,838,000 | 2,768,000 | 3,823,000 |
| Provision for loan losses | 137,000 | 137,000 | 148,000 | 305,000 |
| Pretax income | -79,000 | 14,000 | 119,000 | 109,000 |
| Income tax | 0 | 0 | 0 | 79,000 |
| Net income | -79,000 | 14,000 | 119,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,711,000 | 13,077,000 | 13,146,000 | 13,112,000 |
| Total capital | 13,891,000 | 14,269,000 | 14,379,000 | 14,440,000 |
| Risk-weighted assets | 93,993,000 | 95,304,000 | 98,360,000 | 105,839,000 |