Call reports 2014
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2014
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 219,593,000 | 224,160,000 | 228,251,000 | 238,610,000 |
| Total loans | 160,140,000 | 164,909,000 | 178,209,000 | 186,845,000 |
| Allowance for loan losses | 2,070,000 | 2,062,000 | 2,069,000 | 2,121,000 |
| Securities available for sale | 31,232,000 | 27,663,000 | 21,160,000 | 19,562,000 |
| Securities held to maturity | 15,603,000 | 15,124,000 | 14,995,000 | 14,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,831,000 | 173,150,000 | 178,640,000 | 184,064,000 |
| Interest-bearing deposits | 145,350,000 | 147,903,000 | 150,203,000 | 156,020,000 |
| Noninterest-bearing deposits | 23,481,000 | 25,247,000 | 28,437,000 | 28,044,000 |
| Equity capital | 18,617,000 | 19,091,000 | 19,646,000 | 24,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,428,000 | 6,782,000 | 9,275,000 |
| Interest expense | 391,000 | 814,000 | 1,230,000 | 1,684,000 |
| Net interest income | 1,773,000 | 3,614,000 | 5,552,000 | 7,591,000 |
| Noninterest income | 171,000 | 411,000 | 718,000 | 983,000 |
| Noninterest expense | 1,232,000 | 2,628,000 | 4,069,000 | 5,665,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 70,000 |
| Pretax income | 712,000 | 1,398,000 | 2,200,000 | 2,853,000 |
| Income tax | 201,000 | 393,000 | 626,000 | 807,000 |
| Net income | 511,000 | 1,005,000 | 1,574,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,499,000 | 19,000,000 | 19,605,000 | 24,480,000 |
| Total capital | 20,232,000 | 20,806,000 | 21,529,000 | 26,491,000 |
| Risk-weighted assets | 138,313,000 | 144,185,000 | 153,793,000 | 160,800,000 |