Call reports 2015
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2015
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 243,952,000 | 247,466,000 | 257,165,000 | 266,837,000 |
| Total loans | 188,647,000 | 197,547,000 | 210,498,000 | 216,599,000 |
| Allowance for loan losses | 2,130,000 | 2,162,000 | 2,276,000 | 2,347,000 |
| Securities available for sale | 18,644,000 | 21,162,000 | 19,805,000 | 19,467,000 |
| Securities held to maturity | 14,936,000 | 14,584,000 | 14,256,000 | 14,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,462,000 | 192,543,000 | 196,152,000 | 200,211,000 |
| Interest-bearing deposits | 158,683,000 | 159,583,000 | 162,774,000 | 160,323,000 |
| Noninterest-bearing deposits | 30,780,000 | 32,960,000 | 33,378,000 | 39,888,000 |
| Equity capital | 26,506,000 | 27,021,000 | 27,836,000 | 28,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,503,000 | 5,110,000 | 7,852,000 | 10,655,000 |
| Interest expense | 472,000 | 953,000 | 1,444,000 | 1,940,000 |
| Net interest income | 2,031,000 | 4,157,000 | 6,408,000 | 8,715,000 |
| Noninterest income | 248,000 | 473,000 | 835,000 | 1,166,000 |
| Noninterest expense | 1,443,000 | 2,920,000 | 4,301,000 | 5,800,000 |
| Provision for loan losses | 40,000 | 80,000 | 230,000 | 320,000 |
| Pretax income | 796,000 | 1,630,000 | 2,712,000 | 3,761,000 |
| Income tax | 233,000 | 477,000 | 803,000 | 1,106,000 |
| Net income | 563,000 | 1,153,000 | 1,909,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,344,000 | 26,933,000 | 27,690,000 | 28,436,000 |
| Total capital | 28,368,000 | 29,052,000 | 29,954,000 | 30,774,000 |
| Risk-weighted assets | 161,887,000 | 169,514,000 | 181,101,000 | 187,028,000 |