Call reports 2009
BLUE RIDGE BANK — 2009
What BLUE RIDGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 74,782,000 | 75,855,000 | 86,292,000 | 94,088,000 |
| Total loans | 41,969,000 | 43,859,000 | 49,189,000 | 54,252,000 |
| Allowance for loan losses | 242,000 | 236,000 | 250,000 | 411,000 |
| Securities available for sale | 19,925,000 | 23,466,000 | 22,508,000 | 31,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,881,000 | 67,084,000 | 77,180,000 | 85,498,000 |
| Interest-bearing deposits | 49,027,000 | 49,917,000 | 60,340,000 | 67,114,000 |
| Noninterest-bearing deposits | 16,854,000 | 17,167,000 | 16,840,000 | 18,384,000 |
| Equity capital | 7,435,000 | 7,454,000 | 7,702,000 | 7,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,830,000 | 2,722,000 | 3,787,000 |
| Interest expense | 297,000 | 601,000 | 922,000 | 1,301,000 |
| Net interest income | 622,000 | 1,229,000 | 1,800,000 | 2,486,000 |
| Noninterest income | 127,000 | 271,000 | 438,000 | 593,000 |
| Noninterest expense | 524,000 | 1,184,000 | 1,743,000 | 2,379,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 215,000 |
| Pretax income | 225,000 | 317,000 | 471,000 | 487,000 |
| Income tax | 76,000 | 112,000 | 174,000 | 193,000 |
| Net income | 149,000 | 205,000 | 297,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,173,000 | 8,229,000 | 8,321,000 | 8,119,000 |
| Total capital | 8,415,000 | 8,465,000 | 8,571,000 | 8,530,000 |
| Risk-weighted assets | 43,937,000 | 41,528,000 | 48,378,000 | 51,067,000 |