Call reports 2005
BLUE RIDGE BANK — 2005
What BLUE RIDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,170,000 | 57,596,000 | 57,826,000 | 57,681,000 |
| Total loans | 20,413,000 | 20,982,000 | 21,793,000 | 22,743,000 |
| Allowance for loan losses | 132,000 | 132,000 | 124,000 | 137,000 |
| Securities available for sale | 33,070,000 | 33,593,000 | 32,729,000 | 31,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,388,000 | 46,938,000 | 46,908,000 | 47,333,000 |
| Interest-bearing deposits | 32,343,000 | 31,162,000 | 31,041,000 | 31,045,000 |
| Noninterest-bearing deposits | 16,045,000 | 15,776,000 | 15,867,000 | 16,288,000 |
| Equity capital | 8,660,000 | 8,985,000 | 9,099,000 | 8,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,340,000 | 2,019,000 | 2,702,000 |
| Interest expense | 123,000 | 245,000 | 382,000 | 538,000 |
| Net interest income | 540,000 | 1,095,000 | 1,637,000 | 2,164,000 |
| Noninterest income | 72,000 | 162,000 | 273,000 | 372,000 |
| Noninterest expense | 460,000 | 849,000 | 1,223,000 | 1,667,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 149,000 | 405,000 | 685,000 | 841,000 |
| Income tax | 46,000 | 153,000 | 270,000 | 335,000 |
| Net income | 103,000 | 252,000 | 415,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,119,000 | 9,268,000 | 9,431,000 | 9,162,000 |
| Total capital | 9,251,000 | 9,400,000 | 9,555,000 | 9,299,000 |
| Risk-weighted assets | 23,398,000 | 24,060,000 | 57,950,000 | 24,844,000 |