Call reports 2010
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2010
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 141,482,000 | 141,623,000 | 144,344,000 | 149,524,000 |
| Total loans | 102,532,000 | 107,402,000 | 114,044,000 | 118,953,000 |
| Allowance for loan losses | 787,000 | 1,000,000 | 1,176,000 | 1,294,000 |
| Securities available for sale | 17,222,000 | 13,117,000 | 14,234,000 | 14,420,000 |
| Securities held to maturity | 6,794,000 | 8,314,000 | 7,666,000 | 7,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,234,000 | 108,215,000 | 108,887,000 | 107,840,000 |
| Interest-bearing deposits | 88,432,000 | 87,891,000 | 87,872,000 | 88,491,000 |
| Noninterest-bearing deposits | 19,802,000 | 20,324,000 | 21,015,000 | 19,348,000 |
| Equity capital | 10,028,000 | 10,439,000 | 10,595,000 | 10,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,685,000 | 3,439,000 | 5,202,000 | 6,971,000 |
| Interest expense | 573,000 | 1,146,000 | 1,679,000 | 2,173,000 |
| Net interest income | 1,112,000 | 2,293,000 | 3,523,000 | 4,798,000 |
| Noninterest income | 203,000 | 458,000 | 671,000 | 848,000 |
| Noninterest expense | 877,000 | 1,748,000 | 2,785,000 | 3,798,000 |
| Provision for loan losses | 100,000 | 240,000 | 420,000 | 600,000 |
| Pretax income | 417,000 | 847,000 | 1,077,000 | 1,336,000 |
| Income tax | 104,000 | 213,000 | 249,000 | 290,000 |
| Net income | 313,000 | 634,000 | 828,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,989,000 | 10,302,000 | 10,487,000 | 10,706,000 |
| Total capital | 10,776,000 | 11,302,000 | 11,661,000 | 11,911,000 |
| Risk-weighted assets | 91,352,000 | 94,321,000 | 93,884,000 | 96,307,000 |