Call reports 2014
BLUE RIDGE BANK — 2014
What BLUE RIDGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,600,000 | 101,460,000 | 101,467,000 | 102,804,000 |
| Total loans | 65,059,000 | 64,859,000 | 63,692,000 | 62,136,000 |
| Allowance for loan losses | 1,054,000 | 1,037,000 | 1,039,000 | 889,000 |
| Securities available for sale | 23,425,000 | 27,558,000 | 29,481,000 | 31,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,492,000 | 89,932,000 | 89,623,000 | 91,400,000 |
| Interest-bearing deposits | 62,900,000 | 63,274,000 | 62,298,000 | 61,643,000 |
| Noninterest-bearing deposits | 26,592,000 | 26,658,000 | 27,325,000 | 29,757,000 |
| Equity capital | 10,791,000 | 10,952,000 | 11,172,000 | 10,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,029,000 | 3,009,000 | 4,038,000 |
| Interest expense | 49,000 | 95,000 | 140,000 | 188,000 |
| Net interest income | 962,000 | 1,934,000 | 2,869,000 | 3,850,000 |
| Noninterest income | 162,000 | 347,000 | 533,000 | 630,000 |
| Noninterest expense | 766,000 | 1,574,000 | 2,396,000 | 3,267,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 170,000 |
| Pretax income | 303,000 | 652,000 | 879,000 | 996,000 |
| Income tax | 101,000 | 235,000 | 317,000 | 360,000 |
| Net income | 202,000 | 417,000 | 562,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,429,000 | 10,644,000 | 10,789,000 | 10,659,000 |
| Total capital | 11,160,000 | 11,396,000 | 11,530,000 | 11,409,000 |
| Risk-weighted assets | 58,165,000 | 59,931,000 | 59,051,000 | 59,896,000 |