Call reports 2023
BLUE RIDGE BANK — 2023
What BLUE RIDGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 167,299,000 | 159,724,000 | 161,629,000 | 168,766,000 |
| Total loans | 112,626,000 | 113,184,000 | 116,222,000 | 120,241,000 |
| Allowance for loan losses | 1,275,000 | 1,350,000 | 1,437,000 | 1,551,000 |
| Securities available for sale | 31,380,000 | 30,700,000 | 28,438,000 | 28,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,536,000 | 145,688,000 | 148,255,000 | 154,299,000 |
| Interest-bearing deposits | 77,186,000 | 70,257,000 | 71,364,000 | 72,942,000 |
| Noninterest-bearing deposits | 76,350,000 | 75,431,000 | 76,891,000 | 81,357,000 |
| Equity capital | 13,309,000 | 13,493,000 | 12,731,000 | 13,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,886,000 | 3,680,000 | 5,541,000 | 7,500,000 |
| Interest expense | 22,000 | 90,000 | 208,000 | 386,000 |
| Net interest income | 1,864,000 | 3,590,000 | 5,333,000 | 7,114,000 |
| Noninterest income | 169,000 | 376,000 | 590,000 | 783,000 |
| Noninterest expense | 1,448,000 | 2,955,000 | 4,516,000 | 6,214,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 340,000 |
| Pretax income | 510,000 | 861,000 | 1,182,000 | 1,343,000 |
| Income tax | 97,000 | 157,000 | 209,000 | 226,000 |
| Net income | 413,000 | 704,000 | 973,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,081,000 | 15,372,000 | 15,641,000 | 15,583,000 |
| Total capital | 16,356,000 | 16,722,000 | 17,056,000 | 17,032,000 |
| Risk-weighted assets | 113,028,000 | 112,031,000 | 113,246,000 | 115,799,000 |