Call reports 2007
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2007
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 84,653,000 | 83,493,000 | 82,627,000 | 86,118,000 |
| Total loans | 44,753,000 | 44,914,000 | 44,999,000 | 52,569,000 |
| Allowance for loan losses | 564,000 | 562,000 | 560,000 | 542,000 |
| Securities available for sale | 18,485,000 | 18,306,000 | 18,252,000 | 14,135,000 |
| Securities held to maturity | 12,067,000 | 11,730,000 | 12,515,000 | 12,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,923,000 | 76,602,000 | 74,238,000 | 75,188,000 |
| Interest-bearing deposits | 58,534,000 | 57,263,000 | 55,557,000 | 55,733,000 |
| Noninterest-bearing deposits | 19,389,000 | 19,339,000 | 18,681,000 | 19,455,000 |
| Equity capital | 6,321,000 | 6,495,000 | 6,816,000 | 7,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,187,000 | 2,407,000 | 3,639,000 | 4,928,000 |
| Interest expense | 399,000 | 799,000 | 1,191,000 | 1,609,000 |
| Net interest income | 788,000 | 1,608,000 | 2,448,000 | 3,319,000 |
| Noninterest income | 209,000 | 459,000 | 707,000 | 955,000 |
| Noninterest expense | 833,000 | 1,652,000 | 2,459,000 | 3,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 415,000 | 696,000 | 875,000 |
| Income tax | 39,000 | 95,000 | 161,000 | 203,000 |
| Net income | 125,000 | 320,000 | 535,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,457,000 | 6,653,000 | 6,868,000 | 7,005,000 |
| Total capital | 7,019,000 | 7,215,000 | 7,428,000 | 7,547,000 |
| Risk-weighted assets | 44,939,000 | 45,949,000 | 45,648,000 | 51,712,000 |