Call reports 2020
BLUE RIDGE BANK — 2020
What BLUE RIDGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 136,734,000 | 144,371,000 | 151,722,000 | 160,912,000 |
| Total loans | 72,513,000 | 71,605,000 | 71,993,000 | 74,625,000 |
| Allowance for loan losses | 1,093,000 | 1,093,000 | 1,094,000 | 1,095,000 |
| Securities available for sale | 34,827,000 | 34,298,000 | 32,121,000 | 32,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,592,000 | 129,613,000 | 136,776,000 | 146,155,000 |
| Interest-bearing deposits | 74,133,000 | 74,507,000 | 79,561,000 | 85,481,000 |
| Noninterest-bearing deposits | 48,459,000 | 55,106,000 | 57,215,000 | 60,674,000 |
| Equity capital | 13,265,000 | 13,798,000 | 13,909,000 | 13,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,149,000 | 2,215,000 | 3,261,000 | 4,284,000 |
| Interest expense | 124,000 | 230,000 | 316,000 | 375,000 |
| Net interest income | 1,025,000 | 1,985,000 | 2,945,000 | 3,909,000 |
| Noninterest income | 180,000 | 280,000 | 526,000 | 629,000 |
| Noninterest expense | 1,099,000 | 2,155,000 | 3,236,000 | 4,368,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 110,000 | 235,000 | 170,000 |
| Income tax | 5,000 | 6,000 | 12,000 | -194,000 |
| Net income | 101,000 | 104,000 | 223,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,282,000 | 13,285,000 | 13,404,000 | 13,340,000 |
| Total capital | 14,224,000 | — | — | — |
| Risk-weighted assets | 75,224,000 | — | — | — |