Call reports 2022
BLUE RIDGE BANK — 2022
What BLUE RIDGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 187,256,000 | 187,813,000 | 188,369,000 | 175,455,000 |
| Total loans | 90,966,000 | 97,203,000 | 103,703,000 | 108,158,000 |
| Allowance for loan losses | 1,028,000 | 834,000 | 980,000 | 1,205,000 |
| Securities available for sale | 33,222,000 | 30,441,000 | 29,077,000 | 30,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,926,000 | 175,319,000 | 176,176,000 | 162,307,000 |
| Interest-bearing deposits | 90,423,000 | 89,087,000 | 93,652,000 | 84,395,000 |
| Noninterest-bearing deposits | 83,503,000 | 86,232,000 | 82,524,000 | 77,912,000 |
| Equity capital | 13,222,000 | 12,353,000 | 11,942,000 | 12,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,541,000 | 4,190,000 | 6,042,000 |
| Interest expense | 10,000 | 18,000 | 28,000 | 36,000 |
| Net interest income | 1,176,000 | 2,523,000 | 4,162,000 | 6,006,000 |
| Noninterest income | 183,000 | 379,000 | 614,000 | 804,000 |
| Noninterest expense | 1,184,000 | 2,499,000 | 3,918,000 | 5,443,000 |
| Provision for loan losses | 0 | 25,000 | 175,000 | 400,000 |
| Pretax income | 175,000 | 384,000 | 689,000 | 973,000 |
| Income tax | 11,000 | 35,000 | 92,000 | 129,000 |
| Net income | 164,000 | 349,000 | 597,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,908,000 | 14,093,000 | 14,630,000 | 14,671,000 |
| Total capital | 14,936,000 | 14,927,000 | 15,610,000 | 15,876,000 |
| Risk-weighted assets | 104,533,000 | 108,902,000 | 114,052,000 | 112,762,000 |