Call reports 2012
BLUE RIDGE BANK — 2012
What BLUE RIDGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 104,113,000 | 105,759,000 | 103,129,000 | 102,581,000 |
| Total loans | 61,645,000 | 63,030,000 | 62,890,000 | 61,798,000 |
| Allowance for loan losses | 820,000 | 795,000 | 809,000 | 1,067,000 |
| Securities available for sale | 34,122,000 | 33,680,000 | 31,827,000 | 31,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,508,000 | 94,973,000 | 91,983,000 | 92,056,000 |
| Interest-bearing deposits | 71,266,000 | 71,853,000 | 69,338,000 | 69,516,000 |
| Noninterest-bearing deposits | 22,242,000 | 23,120,000 | 22,645,000 | 22,540,000 |
| Equity capital | 10,040,000 | 10,307,000 | 10,646,000 | 10,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,214,000 | 3,344,000 | 4,427,000 |
| Interest expense | 164,000 | 303,000 | 428,000 | 538,000 |
| Net interest income | 902,000 | 1,911,000 | 2,916,000 | 3,889,000 |
| Noninterest income | 152,000 | 314,000 | 486,000 | 638,000 |
| Noninterest expense | 669,000 | 1,382,000 | 2,095,000 | 2,986,000 |
| Provision for loan losses | 81,000 | 231,000 | 414,000 | 804,000 |
| Pretax income | 304,000 | 612,000 | 955,000 | 799,000 |
| Income tax | 109,000 | 204,000 | 300,000 | 356,000 |
| Net income | 195,000 | 408,000 | 655,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,413,000 | 9,626,000 | 9,872,000 | 9,454,000 |
| Total capital | 10,098,000 | 10,326,000 | 10,563,000 | 10,153,000 |
| Risk-weighted assets | 54,654,000 | 55,904,000 | 55,188,000 | 55,513,000 |