Call reports 2005
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2005
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,438,000 | 86,601,000 | 90,224,000 | 87,906,000 |
| Total loans | 38,933,000 | 38,588,000 | 44,400,000 | 41,525,000 |
| Allowance for loan losses | 597,000 | 581,000 | 594,000 | 591,000 |
| Securities available for sale | 24,421,000 | 23,820,000 | 24,736,000 | 24,171,000 |
| Securities held to maturity | 15,200,000 | 14,662,000 | 14,036,000 | 13,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,925,000 | 81,044,000 | 83,402,000 | 78,803,000 |
| Interest-bearing deposits | 63,855,000 | 63,657,000 | 64,379,000 | 60,687,000 |
| Noninterest-bearing deposits | 17,070,000 | 17,387,000 | 19,023,000 | 18,116,000 |
| Equity capital | 5,207,000 | 5,283,000 | 5,396,000 | 5,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,051,000 | 3,136,000 | 4,245,000 |
| Interest expense | 261,000 | 543,000 | 845,000 | 1,163,000 |
| Net interest income | 766,000 | 1,508,000 | 2,291,000 | 3,082,000 |
| Noninterest income | 148,000 | 363,000 | 576,000 | 764,000 |
| Noninterest expense | 780,000 | 1,557,000 | 2,328,000 | 3,157,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 125,000 | 305,000 | 530,000 | 661,000 |
| Income tax | 18,000 | 58,000 | 116,000 | 134,000 |
| Net income | 107,000 | 247,000 | 414,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,359,000 | 5,499,000 | 5,666,000 | 5,779,000 |
| Total capital | 5,867,000 | 5,993,000 | 6,174,000 | 6,299,000 |
| Risk-weighted assets | 40,525,000 | 39,445,000 | 40,560,000 | 41,496,000 |
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