Call reports 2003
BLUE RIDGE BANK — 2003
What BLUE RIDGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,974,000 | 57,507,000 | 55,888,000 | 56,608,000 |
| Total loans | 16,322,000 | 15,901,000 | 15,310,000 | 15,089,000 |
| Allowance for loan losses | 145,000 | 145,000 | 144,000 | 138,000 |
| Securities available for sale | 18,406,000 | 26,662,000 | 33,822,000 | 36,860,000 |
| Securities held to maturity | 8,994,000 | 5,995,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,021,000 | 48,416,000 | 47,048,000 | 47,924,000 |
| Interest-bearing deposits | 31,660,000 | 32,271,000 | 32,086,000 | 32,685,000 |
| Noninterest-bearing deposits | 14,361,000 | 16,145,000 | 14,962,000 | 15,239,000 |
| Equity capital | 8,681,000 | 8,853,000 | 8,706,000 | 8,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,332,000 | 1,953,000 | 2,579,000 |
| Interest expense | 183,000 | 361,000 | 524,000 | 676,000 |
| Net interest income | 497,000 | 971,000 | 1,429,000 | 1,903,000 |
| Noninterest income | 80,000 | 163,000 | 287,000 | 386,000 |
| Noninterest expense | 447,000 | 771,000 | 1,109,000 | 1,504,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 366,000 | 634,000 | 812,000 |
| Income tax | 38,000 | 137,000 | 249,000 | 323,000 |
| Net income | 92,000 | 229,000 | 385,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,605,000 | 8,742,000 | 8,898,000 | 8,762,000 |
| Total capital | 8,750,000 | 8,887,000 | 9,042,000 | 8,900,000 |
| Risk-weighted assets | 21,030,000 | 21,641,000 | 21,338,000 | 20,949,000 |