Call reports 2016
BLUE RIDGE BANK — 2016
What BLUE RIDGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,465,000 | 110,189,000 | 112,571,000 | 112,556,000 |
| Total loans | 65,072,000 | 64,549,000 | 63,771,000 | 63,508,000 |
| Allowance for loan losses | 739,000 | 757,000 | 771,000 | 868,000 |
| Securities available for sale | 34,617,000 | 38,307,000 | 39,095,000 | 39,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,855,000 | 96,890,000 | 99,203,000 | 100,945,000 |
| Interest-bearing deposits | 64,020,000 | 63,639,000 | 65,317,000 | 66,472,000 |
| Noninterest-bearing deposits | 31,835,000 | 33,251,000 | 33,886,000 | 34,473,000 |
| Equity capital | 10,959,000 | 11,157,000 | 11,307,000 | 11,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,018,000 | 3,032,000 | 4,006,000 |
| Interest expense | 49,000 | 100,000 | 152,000 | 204,000 |
| Net interest income | 981,000 | 1,918,000 | 2,880,000 | 3,802,000 |
| Noninterest income | 165,000 | 345,000 | 537,000 | 681,000 |
| Noninterest expense | 779,000 | 1,650,000 | 2,390,000 | 3,367,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 140,000 |
| Pretax income | 367,000 | 593,000 | 987,000 | 1,030,000 |
| Income tax | 114,000 | 186,000 | 311,000 | 328,000 |
| Net income | 253,000 | 407,000 | 676,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,082,000 | 11,235,000 | 11,505,000 | 11,327,000 |
| Total capital | 11,810,000 | 11,960,000 | 12,237,000 | 12,065,000 |
| Risk-weighted assets | 58,258,000 | 58,038,000 | 58,588,000 | 58,980,000 |