Call reports 2021
BLUE RIDGE BANK — 2021
What BLUE RIDGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 170,364,000 | 168,846,000 | 174,483,000 | 181,369,000 |
| Total loans | 78,449,000 | 81,650,000 | 87,559,000 | 85,824,000 |
| Allowance for loan losses | 1,095,000 | 1,062,000 | 1,058,000 | 1,073,000 |
| Securities available for sale | 32,177,000 | 31,970,000 | 30,069,000 | 34,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,854,000 | 153,993,000 | 159,475,000 | 166,369,000 |
| Interest-bearing deposits | 85,258,000 | 83,748,000 | 85,476,000 | 87,178,000 |
| Noninterest-bearing deposits | 70,596,000 | 70,245,000 | 73,999,000 | 79,191,000 |
| Equity capital | 13,921,000 | 14,274,000 | 14,482,000 | 14,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 2,168,000 | 3,342,000 | 4,497,000 |
| Interest expense | 35,000 | 57,000 | 70,000 | 81,000 |
| Net interest income | 966,000 | 2,111,000 | 3,272,000 | 4,416,000 |
| Noninterest income | 160,000 | 337,000 | 531,000 | 721,000 |
| Noninterest expense | 1,100,000 | 2,206,000 | 3,323,000 | 4,479,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 242,000 | 480,000 | 658,000 |
| Income tax | 1,000 | 6,000 | 21,000 | 49,000 |
| Net income | 25,000 | 236,000 | 459,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,365,000 | 13,576,000 | 13,799,000 | 13,744,000 |
| Total capital | — | — | 14,857,000 | 14,817,000 |
| Risk-weighted assets | — | — | 97,962,000 | 99,194,000 |