Call reports 2014
BLUERIDGE BANK — 2014
What BLUERIDGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 181,453,000 | 180,138,000 | 188,867,000 | 201,112,000 |
| Total loans | 145,545,000 | 147,766,000 | 154,866,000 | 169,357,000 |
| Allowance for loan losses | 1,781,000 | 1,794,000 | 1,794,000 | 1,794,000 |
| Securities available for sale | 7,337,000 | 6,222,000 | 5,936,000 | 5,765,000 |
| Securities held to maturity | 18,437,000 | 17,116,000 | 16,460,000 | 15,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,621,000 | 158,236,000 | 168,638,000 | 175,260,000 |
| Interest-bearing deposits | 137,144,000 | 133,388,000 | 141,522,000 | 149,706,000 |
| Noninterest-bearing deposits | 23,477,000 | 24,848,000 | 27,116,000 | 25,554,000 |
| Equity capital | 15,910,000 | 16,039,000 | 16,092,000 | 16,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,572,000 | 5,450,000 | 7,441,000 |
| Interest expense | 273,000 | 542,000 | 837,000 | 1,160,000 |
| Net interest income | 1,493,000 | 3,030,000 | 4,613,000 | 6,281,000 |
| Noninterest income | 21,000 | 58,000 | 95,000 | 116,000 |
| Noninterest expense | 1,242,000 | 2,656,000 | 4,197,000 | 5,645,000 |
| Provision for loan losses | 7,000 | 26,000 | 26,000 | 26,000 |
| Pretax income | 263,000 | 404,000 | 483,000 | 724,000 |
| Income tax | 105,000 | 162,000 | 195,000 | 320,000 |
| Net income | 158,000 | 242,000 | 288,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,606,000 | 14,799,000 | 14,895,000 | 15,481,000 |
| Total capital | 16,397,000 | 16,593,000 | 16,714,000 | 17,298,000 |
| Risk-weighted assets | 143,946,000 | 145,600,000 | 157,705,000 | 167,068,000 |