Call reports 2004
BLUE RIDGE BANK — 2004
What BLUE RIDGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,936,000 | 58,325,000 | 59,340,000 | 57,154,000 |
| Total loans | 15,349,000 | 16,122,000 | 17,293,000 | 19,365,000 |
| Allowance for loan losses | 137,000 | 128,000 | 136,000 | 132,000 |
| Securities available for sale | 39,381,000 | 39,188,000 | 39,190,000 | 34,857,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,706,000 | 49,714,000 | 49,257,000 | 47,438,000 |
| Interest-bearing deposits | 33,526,000 | 33,143,000 | 33,375,000 | 32,356,000 |
| Noninterest-bearing deposits | 17,180,000 | 16,571,000 | 15,882,000 | 15,082,000 |
| Equity capital | 8,972,000 | 8,214,000 | 9,029,000 | 8,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,244,000 | 1,931,000 | 2,608,000 |
| Interest expense | 145,000 | 288,000 | 428,000 | 563,000 |
| Net interest income | 483,000 | 956,000 | 1,503,000 | 2,045,000 |
| Noninterest income | 90,000 | 181,000 | 292,000 | 397,000 |
| Noninterest expense | 449,000 | 817,000 | 1,190,000 | 1,591,000 |
| Provision for loan losses | 0 | 0 | 66,000 | 66,000 |
| Pretax income | 124,000 | 320,000 | 540,000 | 789,000 |
| Income tax | 17,000 | 99,000 | 191,000 | 295,000 |
| Net income | 107,000 | 221,000 | 349,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,869,000 | 8,984,000 | 9,111,000 | 9,016,000 |
| Total capital | 9,006,000 | 9,112,000 | 9,247,000 | 9,148,000 |
| Risk-weighted assets | 21,532,000 | 22,255,000 | 22,523,000 | 23,317,000 |