Call reports 2003
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2003
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 75,042,000 | 75,701,000 | 78,224,000 | 78,710,000 |
| Total loans | 42,959,000 | 41,254,000 | 40,745,000 | 40,130,000 |
| Allowance for loan losses | 655,000 | 641,000 | 635,000 | 621,000 |
| Securities available for sale | 7,683,000 | 8,718,000 | 12,055,000 | 14,228,000 |
| Securities held to maturity | 12,760,000 | 11,880,000 | 11,797,000 | 11,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,070,000 | 70,668,000 | 73,210,000 | 73,533,000 |
| Interest-bearing deposits | 56,705,000 | 57,977,000 | 59,300,000 | 59,137,000 |
| Noninterest-bearing deposits | 12,365,000 | 12,691,000 | 13,910,000 | 14,396,000 |
| Equity capital | 4,718,000 | 4,795,000 | 4,810,000 | 4,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 1,965,000 | 2,900,000 | 3,821,000 |
| Interest expense | 288,000 | 568,000 | 834,000 | 1,083,000 |
| Net interest income | 728,000 | 1,397,000 | 2,066,000 | 2,738,000 |
| Noninterest income | 105,000 | 243,000 | 390,000 | 494,000 |
| Noninterest expense | 721,000 | 1,480,000 | 2,217,000 | 2,966,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 82,000 | 130,000 | 209,000 | 236,000 |
| Income tax | 10,000 | 6,000 | 11,000 | 13,000 |
| Net income | 72,000 | 124,000 | 198,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,583,000 | 4,634,000 | 4,708,000 | 4,520,000 |
| Total capital | 5,060,000 | 5,105,000 | 5,186,000 | 4,997,000 |
| Risk-weighted assets | 37,968,000 | 37,533,000 | 38,108,000 | 37,989,000 |
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