Call reports 2007
BLUE RIDGE BANK — 2007
What BLUE RIDGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,111,000 | 62,290,000 | 61,542,000 | 61,585,000 |
| Total loans | 28,263,000 | 28,260,000 | 28,306,000 | 28,744,000 |
| Allowance for loan losses | 126,000 | 176,000 | 172,000 | 179,000 |
| Securities available for sale | 30,162,000 | 28,257,000 | 29,007,000 | 29,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,481,000 | 52,838,000 | 53,280,000 | 52,873,000 |
| Interest-bearing deposits | 34,056,000 | 35,643,000 | 35,734,000 | 36,730,000 |
| Noninterest-bearing deposits | 16,425,000 | 17,195,000 | 17,546,000 | 16,143,000 |
| Equity capital | 9,168,000 | 9,120,000 | 7,837,000 | 7,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,558,000 | 2,395,000 | 3,215,000 |
| Interest expense | 278,000 | 562,000 | 859,000 | 1,168,000 |
| Net interest income | 496,000 | 996,000 | 1,536,000 | 2,047,000 |
| Noninterest income | 127,000 | 236,000 | 422,000 | 561,000 |
| Noninterest expense | 456,000 | 900,000 | 1,320,000 | 1,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 334,000 | 640,000 | 801,000 |
| Income tax | 54,000 | 124,000 | 251,000 | 152,000 |
| Net income | 113,000 | 210,000 | 389,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,491,000 | 9,588,000 | 8,047,000 | 7,734,000 |
| Total capital | 9,617,000 | 9,764,000 | 8,219,000 | 7,913,000 |
| Risk-weighted assets | 27,007,000 | 28,665,000 | 27,820,000 | 27,541,000 |