Call reports 2015
BLUE RIDGE BANK — 2015
What BLUE RIDGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,436,000 | 105,270,000 | 106,824,000 | 107,618,000 |
| Total loans | 61,282,000 | 65,730,000 | 65,426,000 | 65,810,000 |
| Allowance for loan losses | 888,000 | 842,000 | 853,000 | 736,000 |
| Securities available for sale | 31,825,000 | 32,455,000 | 34,155,000 | 33,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,288,000 | 93,405,000 | 94,427,000 | 95,524,000 |
| Interest-bearing deposits | 62,986,000 | 62,123,000 | 62,975,000 | 63,718,000 |
| Noninterest-bearing deposits | 30,302,000 | 31,282,000 | 31,452,000 | 31,806,000 |
| Equity capital | 11,094,000 | 11,062,000 | 11,162,000 | 11,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,989,000 | 3,024,000 | 4,110,000 |
| Interest expense | 45,000 | 93,000 | 141,000 | 190,000 |
| Net interest income | 915,000 | 1,896,000 | 2,883,000 | 3,920,000 |
| Noninterest income | 207,000 | 392,000 | 546,000 | 738,000 |
| Noninterest expense | 840,000 | 1,712,000 | 2,570,000 | 3,497,000 |
| Provision for loan losses | 0 | 60,000 | 120,000 | 160,000 |
| Pretax income | 282,000 | 533,000 | 756,000 | 1,018,000 |
| Income tax | 90,000 | 170,000 | 246,000 | 283,000 |
| Net income | 192,000 | 363,000 | 510,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,850,000 | 11,022,000 | 11,169,000 | 10,829,000 |
| Total capital | 11,393,000 | 11,750,000 | 11,897,000 | 11,552,000 |
| Risk-weighted assets | 42,594,000 | 58,194,000 | 58,135,000 | 57,867,000 |