Call reports 2002
BLUE RIDGE BANK — 2002
What BLUE RIDGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,979,000 | 52,560,000 | 53,339,000 | 53,461,000 |
| Total loans | 16,853,000 | 16,716,000 | 17,070,000 | 16,701,000 |
| Allowance for loan losses | 142,000 | 150,000 | 139,000 | 146,000 |
| Securities available for sale | 11,778,000 | 14,920,000 | 16,899,000 | 16,880,000 |
| Securities held to maturity | 19,742,000 | 17,492,000 | 15,493,000 | 11,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,397,000 | 43,455,000 | 44,271,000 | 44,577,000 |
| Interest-bearing deposits | 29,291,000 | 29,423,000 | 30,293,000 | 30,786,000 |
| Noninterest-bearing deposits | 14,106,000 | 14,032,000 | 13,978,000 | 13,791,000 |
| Equity capital | 8,258,000 | 8,535,000 | 8,699,000 | 8,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,587,000 | 2,367,000 | 3,108,000 |
| Interest expense | 227,000 | 438,000 | 642,000 | 836,000 |
| Net interest income | 577,000 | 1,149,000 | 1,725,000 | 2,272,000 |
| Noninterest income | 59,000 | 132,000 | 218,000 | 305,000 |
| Noninterest expense | 416,000 | 731,000 | 1,072,000 | 1,463,000 |
| Provision for loan losses | 29,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | 191,000 | 516,000 | 837,000 | 1,098,000 |
| Income tax | 69,000 | 213,000 | 356,000 | 394,000 |
| Net income | 122,000 | 303,000 | 481,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 8,352,000 | 8,530,000 | 8,513,000 |
| Total capital | 8,313,000 | 8,502,000 | 8,669,000 | 8,659,000 |
| Risk-weighted assets | 20,933,000 | 20,822,000 | 21,445,000 | 20,268,000 |