Call reports 2012
BLUERIDGE BANK — 2012
What BLUERIDGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 155,801,000 | 165,519,000 | 163,711,000 | 159,738,000 |
| Total loans | 105,728,000 | 111,504,000 | 118,906,000 | 121,339,000 |
| Allowance for loan losses | 1,792,000 | 1,835,000 | 1,947,000 | 1,997,000 |
| Securities available for sale | 39,622,000 | 35,221,000 | 37,308,000 | 32,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,555,000 | 150,954,000 | 148,933,000 | 143,911,000 |
| Interest-bearing deposits | 123,698,000 | 128,511,000 | 128,556,000 | 121,537,000 |
| Noninterest-bearing deposits | 17,857,000 | 22,443,000 | 20,377,000 | 22,374,000 |
| Equity capital | 14,070,000 | 14,296,000 | 14,533,000 | 15,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,099,000 | 4,734,000 | 6,356,000 |
| Interest expense | 397,000 | 793,000 | 1,169,000 | 1,481,000 |
| Net interest income | 1,122,000 | 2,306,000 | 3,565,000 | 4,875,000 |
| Noninterest income | 17,000 | 36,000 | 53,000 | 79,000 |
| Noninterest expense | 1,059,000 | 2,218,000 | 3,307,000 | 4,407,000 |
| Provision for loan losses | 55,000 | 98,000 | 210,000 | 260,000 |
| Pretax income | 25,000 | 18,000 | 70,000 | 255,000 |
| Income tax | 17,000 | 0 | 0 | -1,013,000 |
| Net income | 8,000 | 18,000 | 70,000 | 1,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,289,000 | 13,410,000 | 13,969,000 | 13,882,000 |
| Total capital | 14,657,000 | 14,831,000 | 15,479,000 | 15,423,000 |
| Risk-weighted assets | 109,022,000 | 113,267,000 | 120,379,000 | 122,826,000 |