Call reports 2016
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2016
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 269,717,000 | 282,622,000 | 296,376,000 | 416,525,000 |
| Total loans | 219,961,000 | 227,587,000 | 244,794,000 | 344,284,000 |
| Allowance for loan losses | 2,401,000 | 2,428,000 | 1,980,000 | 2,013,000 |
| Securities available for sale | 18,988,000 | 19,308,000 | 18,876,000 | 25,887,000 |
| Securities held to maturity | 14,198,000 | 14,170,000 | 13,843,000 | 12,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,943,000 | 225,293,000 | 235,623,000 | 340,949,000 |
| Interest-bearing deposits | 173,647,000 | 185,659,000 | 196,182,000 | 280,815,000 |
| Noninterest-bearing deposits | 39,296,000 | 39,634,000 | 39,441,000 | 60,134,000 |
| Equity capital | 29,399,000 | 30,199,000 | 30,688,000 | 42,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,862,000 | 5,829,000 | 8,886,000 | 13,344,000 |
| Interest expense | 516,000 | 1,042,000 | 1,598,000 | 2,339,000 |
| Net interest income | 2,346,000 | 4,787,000 | 7,288,000 | 11,005,000 |
| Noninterest income | 222,000 | 529,000 | 753,000 | 2,514,000 |
| Noninterest expense | 1,559,000 | 3,143,000 | 4,805,000 | 9,499,000 |
| Provision for loan losses | 90,000 | 200,000 | 495,000 | 926,000 |
| Pretax income | 919,000 | 1,973,000 | 2,741,000 | 3,094,000 |
| Income tax | 272,000 | 585,000 | 807,000 | 880,000 |
| Net income | 647,000 | 1,388,000 | 1,934,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,083,000 | 29,824,000 | 30,370,000 | 39,887,000 |
| Total capital | 31,470,000 | 32,252,000 | 32,350,000 | 41,900,000 |
| Risk-weighted assets | 190,970,000 | 198,345,000 | 208,962,000 | 296,868,000 |