Call reports 2002
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2002
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 67,415,000 | 69,097,000 | 72,417,000 | 74,218,000 |
| Total loans | 37,821,000 | 39,995,000 | 40,956,000 | 42,179,000 |
| Allowance for loan losses | 554,000 | 586,000 | 605,000 | 632,000 |
| Securities available for sale | 8,264,000 | 8,827,000 | 8,629,000 | 7,833,000 |
| Securities held to maturity | 11,456,000 | 11,693,000 | 12,693,000 | 14,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,621,000 | 63,197,000 | 66,294,000 | 67,792,000 |
| Interest-bearing deposits | 51,210,000 | 52,734,000 | 55,337,000 | 56,539,000 |
| Noninterest-bearing deposits | 11,411,000 | 10,463,000 | 10,957,000 | 11,253,000 |
| Equity capital | 4,572,000 | 4,796,000 | 4,969,000 | 4,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,058,000 | 3,099,000 | 4,160,000 |
| Interest expense | 332,000 | 642,000 | 963,000 | 1,275,000 |
| Net interest income | 684,000 | 1,416,000 | 2,136,000 | 2,885,000 |
| Noninterest income | 67,000 | 145,000 | 221,000 | 322,000 |
| Noninterest expense | 627,000 | 1,262,000 | 1,889,000 | 2,450,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 104,000 | 264,000 | 403,000 | 662,000 |
| Income tax | 23,000 | 64,000 | 100,000 | 161,000 |
| Net income | 81,000 | 200,000 | 303,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,587,000 | 4,706,000 | 4,809,000 | 4,510,000 |
| Total capital | 5,040,000 | 5,144,000 | 5,264,000 | 4,980,000 |
| Risk-weighted assets | 36,836,000 | 34,853,000 | 36,228,000 | 37,439,000 |
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