Call reports 2013
BLUE RIDGE BANK — 2013
What BLUE RIDGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,429,000 | 98,558,000 | 99,684,000 | 99,200,000 |
| Total loans | 61,402,000 | 62,555,000 | 65,457,000 | 65,818,000 |
| Allowance for loan losses | 1,069,000 | 1,071,000 | 1,069,000 | 1,075,000 |
| Securities available for sale | 29,652,000 | 28,419,000 | 26,705,000 | 26,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,512,000 | 87,902,000 | 88,659,000 | 88,153,000 |
| Interest-bearing deposits | 64,915,000 | 63,873,000 | 64,326,000 | 62,771,000 |
| Noninterest-bearing deposits | 23,597,000 | 24,029,000 | 24,333,000 | 25,382,000 |
| Equity capital | 10,381,000 | 10,389,000 | 10,647,000 | 10,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,077,000 | 3,104,000 | 4,136,000 |
| Interest expense | 81,000 | 150,000 | 210,000 | 264,000 |
| Net interest income | 940,000 | 1,927,000 | 2,894,000 | 3,872,000 |
| Noninterest income | 144,000 | 306,000 | 485,000 | 607,000 |
| Noninterest expense | 721,000 | 1,493,000 | 2,258,000 | 3,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 363,000 | 749,000 | 1,130,000 | 1,303,000 |
| Income tax | 135,000 | 246,000 | 386,000 | 437,000 |
| Net income | 228,000 | 503,000 | 744,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,683,000 | 10,069,000 | 10,310,000 | 10,227,000 |
| Total capital | 10,365,000 | 10,753,000 | 11,014,000 | 10,939,000 |
| Risk-weighted assets | 54,140,000 | 54,361,000 | 55,929,000 | 56,560,000 |