Call reports 2015
BLUERIDGE BANK — 2015
What BLUERIDGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 201,601,000 | 205,096,000 | 209,717,000 | 215,027,000 |
| Total loans | 171,627,000 | 175,468,000 | 182,630,000 | 187,415,000 |
| Allowance for loan losses | 1,837,000 | 1,842,000 | 1,914,000 | 1,914,000 |
| Securities available for sale | 5,074,000 | 4,776,000 | 4,559,000 | 4,316,000 |
| Securities held to maturity | 15,287,000 | 14,619,000 | 14,467,000 | 13,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,469,000 | 180,629,000 | 185,963,000 | 180,583,000 |
| Interest-bearing deposits | 151,901,000 | 150,099,000 | 154,009,000 | 150,920,000 |
| Noninterest-bearing deposits | 24,568,000 | 30,530,000 | 31,954,000 | 29,663,000 |
| Equity capital | 16,471,000 | 16,639,000 | 16,931,000 | 16,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,987,000 | 4,050,000 | 6,219,000 | 8,368,000 |
| Interest expense | 324,000 | 665,000 | 992,000 | 1,326,000 |
| Net interest income | 1,663,000 | 3,385,000 | 5,227,000 | 7,042,000 |
| Noninterest income | 37,000 | 70,000 | 109,000 | 163,000 |
| Noninterest expense | 1,359,000 | 2,793,000 | 4,147,000 | 5,765,000 |
| Provision for loan losses | 43,000 | 48,000 | 120,000 | 120,000 |
| Pretax income | 293,000 | 609,000 | 1,064,000 | 1,315,000 |
| Income tax | 123,000 | 252,000 | 437,000 | 611,000 |
| Net income | 170,000 | 357,000 | 627,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,273,000 | 16,563,000 | 16,880,000 | 16,966,000 |
| Total capital | 18,131,000 | 18,421,000 | 18,810,000 | 18,894,000 |
| Risk-weighted assets | 177,179,000 | 179,681,000 | 181,827,000 | 191,695,000 |