Call reports 2019
BLUE RIDGE BANK — 2019
What BLUE RIDGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 132,397,000 | 131,284,000 | 131,015,000 | 132,627,000 |
| Total loans | 64,579,000 | 67,570,000 | 69,748,000 | 70,722,000 |
| Allowance for loan losses | 1,214,000 | 1,187,000 | 1,092,000 | 1,092,000 |
| Securities available for sale | 36,115,000 | 36,747,000 | 36,193,000 | 37,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,242,000 | 117,315,000 | 116,535,000 | 118,631,000 |
| Interest-bearing deposits | 71,840,000 | 73,105,000 | 72,167,000 | 74,862,000 |
| Noninterest-bearing deposits | 47,402,000 | 44,210,000 | 44,368,000 | 43,769,000 |
| Equity capital | 13,010,000 | 13,462,000 | 13,757,000 | 13,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,323,000 | 3,522,000 | 4,707,000 |
| Interest expense | 70,000 | 148,000 | 244,000 | 348,000 |
| Net interest income | 1,089,000 | 2,175,000 | 3,278,000 | 4,359,000 |
| Noninterest income | 140,000 | 259,000 | 532,000 | 694,000 |
| Noninterest expense | 973,000 | 1,950,000 | 3,102,000 | 4,186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 256,000 | 484,000 | 708,000 | 906,000 |
| Income tax | 24,000 | 34,000 | 46,000 | 93,000 |
| Net income | 232,000 | 450,000 | 662,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,804,000 | 13,023,000 | 13,234,000 | 13,181,000 |
| Total capital | 13,643,000 | 13,883,000 | 14,133,000 | 14,078,000 |
| Risk-weighted assets | 66,597,000 | 68,456,000 | 71,757,000 | 71,548,000 |