Call reports 2011
BLUE RIDGE BANK — 2011
What BLUE RIDGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,796,000 | 98,413,000 | 98,065,000 | 102,016,000 |
| Total loans | 65,950,000 | 64,857,000 | 64,269,000 | 62,170,000 |
| Allowance for loan losses | 682,000 | 701,000 | 702,000 | 747,000 |
| Securities available for sale | 24,460,000 | 25,422,000 | 25,725,000 | 30,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,690,000 | 88,789,000 | 87,762,000 | 91,819,000 |
| Interest-bearing deposits | 69,804,000 | 68,580,000 | 67,591,000 | 70,461,000 |
| Noninterest-bearing deposits | 19,886,000 | 20,209,000 | 20,171,000 | 21,358,000 |
| Equity capital | 8,618,000 | 9,349,000 | 9,826,000 | 9,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,347,000 | 3,509,000 | 4,612,000 |
| Interest expense | 273,000 | 497,000 | 694,000 | 873,000 |
| Net interest income | 916,000 | 1,850,000 | 2,815,000 | 3,739,000 |
| Noninterest income | 150,000 | 297,000 | 479,000 | 622,000 |
| Noninterest expense | 709,000 | 1,579,000 | 2,216,000 | 2,992,000 |
| Provision for loan losses | 105,000 | 145,000 | 145,000 | 195,000 |
| Pretax income | 252,000 | 423,000 | 933,000 | 1,174,000 |
| Income tax | 94,000 | 160,000 | 366,000 | 442,000 |
| Net income | 158,000 | 263,000 | 567,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,669,000 | 8,952,000 | 9,256,000 | 9,217,000 |
| Total capital | 9,351,000 | 9,643,000 | 9,941,000 | 9,896,000 |
| Risk-weighted assets | 56,202,000 | 55,258,000 | 54,745,000 | 54,245,000 |