Call reports 2010
BLUE RIDGE BANK — 2010
What BLUE RIDGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 99,113,000 | 103,243,000 | 102,257,000 | 98,945,000 |
| Total loans | 61,219,000 | 68,157,000 | 69,066,000 | 68,141,000 |
| Allowance for loan losses | 439,000 | 481,000 | 589,000 | 656,000 |
| Securities available for sale | 28,786,000 | 27,801,000 | 23,381,000 | 22,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,761,000 | 94,435,000 | 92,758,000 | 90,200,000 |
| Interest-bearing deposits | 72,110,000 | 75,752,000 | 74,712,000 | 71,452,000 |
| Noninterest-bearing deposits | 18,651,000 | 18,683,000 | 18,046,000 | 18,748,000 |
| Equity capital | 8,055,000 | 8,373,000 | 8,790,000 | 8,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,332,000 | 3,601,000 | 4,777,000 |
| Interest expense | 377,000 | 771,000 | 1,138,000 | 1,452,000 |
| Net interest income | 699,000 | 1,561,000 | 2,463,000 | 3,325,000 |
| Noninterest income | 148,000 | 314,000 | 495,000 | 656,000 |
| Noninterest expense | 649,000 | 1,332,000 | 2,042,000 | 2,916,000 |
| Provision for loan losses | 30,000 | 80,000 | 190,000 | 295,000 |
| Pretax income | 207,000 | 555,000 | 914,000 | 955,000 |
| Income tax | 65,000 | 181,000 | 340,000 | 363,000 |
| Net income | 142,000 | 374,000 | 574,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,262,000 | 8,493,000 | 8,692,000 | 8,511,000 |
| Total capital | 8,701,000 | 8,974,000 | 9,281,000 | 9,167,000 |
| Risk-weighted assets | 57,445,000 | 59,146,000 | 59,799,000 | 57,429,000 |