Call reports 2006
BLUE RIDGE BANK — 2006
What BLUE RIDGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 57,882,000 | 59,856,000 | 61,207,000 | 61,643,000 |
| Total loans | 23,960,000 | 25,923,000 | 27,258,000 | 27,676,000 |
| Allowance for loan losses | 137,000 | 135,000 | 138,000 | 128,000 |
| Securities available for sale | 30,341,000 | 29,967,000 | 30,095,000 | 30,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,341,000 | 48,651,000 | 51,571,000 | 50,891,000 |
| Interest-bearing deposits | 30,995,000 | 31,726,000 | 34,894,000 | 34,788,000 |
| Noninterest-bearing deposits | 16,346,000 | 16,925,000 | 16,677,000 | 16,103,000 |
| Equity capital | 8,608,000 | 8,628,000 | 8,957,000 | 8,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,395,000 | 2,143,000 | 2,906,000 |
| Interest expense | 175,000 | 375,000 | 618,000 | 899,000 |
| Net interest income | 514,000 | 1,020,000 | 1,525,000 | 2,007,000 |
| Noninterest income | 84,000 | 184,000 | 306,000 | 435,000 |
| Noninterest expense | 495,000 | 863,000 | 1,251,000 | 1,673,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 328,000 | 567,000 | 756,000 |
| Income tax | 22,000 | 121,000 | 221,000 | 300,000 |
| Net income | 68,000 | 207,000 | 346,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,230,000 | 9,369,000 | 9,508,000 | 9,378,000 |
| Total capital | 9,367,000 | 9,504,000 | 9,646,000 | 9,506,000 |
| Risk-weighted assets | 25,555,000 | 27,036,000 | 27,636,000 | 27,637,000 |