Call reports 2012
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2012
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 208,955,000 | 203,891,000 | 210,822,000 | 207,214,000 |
| Total loans | 130,355,000 | 130,627,000 | 139,644,000 | 137,920,000 |
| Allowance for loan losses | 1,548,000 | 1,627,000 | 1,715,000 | 1,781,000 |
| Securities available for sale | 48,462,000 | 47,322,000 | 44,636,000 | 41,101,000 |
| Securities held to maturity | 12,778,000 | 12,654,000 | 12,841,000 | 12,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,904,000 | 161,413,000 | 158,329,000 | 168,823,000 |
| Interest-bearing deposits | 144,114,000 | 139,271,000 | 136,702,000 | 147,167,000 |
| Noninterest-bearing deposits | 20,790,000 | 22,142,000 | 21,628,000 | 21,656,000 |
| Equity capital | 16,706,000 | 17,070,000 | 17,465,000 | 17,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,070,000 | 4,139,000 | 6,238,000 | 8,265,000 |
| Interest expense | 474,000 | 931,000 | 1,369,000 | 1,777,000 |
| Net interest income | 1,596,000 | 3,208,000 | 4,869,000 | 6,488,000 |
| Noninterest income | 209,000 | 299,000 | 516,000 | 711,000 |
| Noninterest expense | 1,165,000 | 2,214,000 | 3,216,000 | 4,361,000 |
| Provision for loan losses | 95,000 | 180,000 | 540,000 | 670,000 |
| Pretax income | 545,000 | 1,113,000 | 1,634,000 | 2,189,000 |
| Income tax | 146,000 | 303,000 | 447,000 | 603,000 |
| Net income | 399,000 | 810,000 | 1,187,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,038,000 | 16,252,000 | 16,621,000 | 16,726,000 |
| Total capital | 17,498,000 | 17,728,000 | 18,167,000 | 18,224,000 |
| Risk-weighted assets | 116,718,000 | 117,903,000 | 123,496,000 | 119,591,000 |