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Blueridge Bank

Frederick, MD · Cert 58756

FDIC · 2 branches

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blueridge Bank

Frederick, MD · Cert 58756

FDIC · 2 branches

Q4 2015

$215.0MAssets
$187.4MLoans
$180.6MDeposits
$17.0MEquity
Loan mix
79%RE $116.2M18%C&I $26.9M2%Consumer $3.2MQ4 2014Q4 2015
Deposit mix
84%Interest-bearing $150.9M16%Noninterest $29.7MQ4 2014Q4 2015

NIM

3.70%Q4 ’133.76%Q4 ’143.94%Q4 ’15+1%+5%

Non-interest income vs. expense

2.63%Q4 ’132.85%Q4 ’142.72%Q4 ’15+9%-5%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2015 SOD (annual) · 0.1% share · #58 of 86 inst. · $0.1B of $216.8B

3.2% Frederick
0.3% Baltimore

Executive Summary

  • Earnings: ROA of 0.34%, up 12 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.00%.
  • Funding: loans stand at 103.78% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.34%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+15 bps YoY

Efficiency Ratio (YTD, annualized)

80.01%-823 bps YoY

Tier 1 Leverage Ratio

8.00%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.22%0.34%0.35%0.41%0.34%+12 bps
Return on Equity2.53%4.15%4.34%5.04%4.23%+170 bps
Net Interest Margin3.17%3.32%3.26%3.34%3.32%+15 bps
Efficiency Ratio88.24%79.94%80.84%77.72%80.01%-823 bps
Non-Interest Burden2.79%2.64%2.62%2.58%2.64%-15 bps
Growth
Asset Growth (YoY)12.56%11.10%13.85%11.04%6.92%-564 bps
Loan Growth (YoY)17.43%17.92%18.75%17.93%10.66%-676 bps
Deposit Growth (YoY)8.63%9.87%14.15%10.27%3.04%-559 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.06%1.07%1.05%1.05%1.02%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a8.13%7.97%8.09%8.00%n/a
Total Risk-Based Capital10.35%10.23%10.25%10.34%9.86%-49 bps
Equity / Assets8.09%8.17%8.11%8.07%7.90%-19 bps
Liquidity & Funding
Loans / Deposits96.63%97.26%97.14%98.21%103.78%+715 bps
Liquid Assets / Assets11.18%10.86%10.86%9.77%9.93%-125 bps
CRE / Total Capitaln/an/an/an/an/an/an/a