Call reports 2013
BLUERIDGE BANK — 2013
What BLUERIDGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,335,000 | 161,440,000 | 175,354,000 | 178,673,000 |
| Total loans | 128,619,000 | 130,257,000 | 134,976,000 | 144,225,000 |
| Allowance for loan losses | 2,033,000 | 2,120,000 | 2,110,000 | 1,774,000 |
| Securities available for sale | 25,414,000 | 18,152,000 | 21,003,000 | 18,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 10,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,967,000 | 145,759,000 | 159,580,000 | 161,343,000 |
| Interest-bearing deposits | 121,726,000 | 126,327,000 | 135,796,000 | 138,358,000 |
| Noninterest-bearing deposits | 21,241,000 | 19,432,000 | 23,784,000 | 22,985,000 |
| Equity capital | 15,681,000 | 15,461,000 | 15,548,000 | 15,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,570,000 | 3,220,000 | 4,892,000 | 6,656,000 |
| Interest expense | 237,000 | 485,000 | 745,000 | 1,019,000 |
| Net interest income | 1,333,000 | 2,735,000 | 4,147,000 | 5,637,000 |
| Noninterest income | 18,000 | 53,000 | 82,000 | 110,000 |
| Noninterest expense | 1,134,000 | 2,386,000 | 3,540,000 | 4,734,000 |
| Provision for loan losses | 36,000 | 123,000 | 176,000 | 245,000 |
| Pretax income | 187,000 | 336,000 | 570,000 | 822,000 |
| Income tax | 76,000 | 132,000 | 224,000 | 336,000 |
| Net income | 111,000 | 204,000 | 346,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,003,000 | 13,967,000 | 14,209,000 | 14,610,000 |
| Total capital | 15,622,000 | 15,582,000 | 15,887,000 | 16,374,000 |
| Risk-weighted assets | 129,241,000 | 128,632,000 | 133,785,000 | 143,834,000 |